Job Description
The following is a list of essential functions, which may be subject to change at any time and without advance notice. Management may assign new duties, reassign existing duties, or eliminate a function.
• Work with Credit Manager, Credit Officer and CCO to ensure consistent and accurate credit analysis and loan presentations.
• Prepare financial statement spreads and perform comprehensive analysis of cash flow
• Evaluate individual personal financial statements, tax returns, and prepare global cash flows
• Verify compliance with credit policy, applicable regulations and lending procedures
• Conduct industry and market analysis to identify risks and risk mitigating factors
• Prepare analysis and approval memo for more complex loan requests, reviews and renewals.
• When appropriate, recommend actions such as approval, structural change, or decline.
• Work with lenders to provide timely response and turnaround by monitoring and prioritizing pipeline.
• Work to ensure the appropriate level of analysis is completed in a timely manner for all requests.
• Develop, train, and coach less experienced Credit Analysts and Senior Credit Analysts.
• Work with new, existing and troubled commercial lending relationships in understanding and analyzing cash flows, balance sheet, risks and overall strength and weaknesses of loans and requests.
• Perform collateral valuations, and provide loan structure and covenant recommendations
• Assist in developing “best in class” Credit Administration Loan Policy and procedure manuals.
• Provide support for Special Assets Group and prepare quarterly loan impairment analysis as assigned.
Compliance
• Comply with all applicable regulations and Bank policies regarding employment and employment law.
• Participate in annual compliance and other job-related training.
• Comply with applicable bank regulations, Bank policies and procedures.
• Comply with Bank’s internal privacy and ethics standards.
Relationships and Contacts
Internal: Daily contact with commercial lenders, CCO, Credit Officer, Credit Manager, Credit Analysts and loan administrative assistants. Contact with special assets group as needed.
External: Frequent contact with borrowers, accountants and loan review.
Education And Experience
• BA or BS in Accounting, Finance, Economics or related field required OR equivalent experience
• Minimum 3-5 years’ experience in credit analysis
Skills And Competencies
• Extensive experience in analyzing complex financial statements and tax returns.
• Comprehensive knowledge of commercial lending, including loan structure, covenant, and risk analysis.
• Extensive knowledge of collateral valuation methods.
• Exceptional verbal and written communication skills.
• Exceptional organization / time management skills.
• Proficiency with Microsoft Office and able to quickly master the bank's technology and systems
• Excellent communication and interpersonal skills with the ability to interact with all levels of personnel
• Demonstrate professionalism in appearance, punctuality, attitude, and grammar. Maintain a clean, organized work area.
• Demonstrated analytical and quantitative skills, with prior knowledge of accounting principles
• An ability to balance priorities and exhibit organizational skills to manage both individual and multiple team priorities while meeting Service Level Agreements.
• Ability to interact effectively with other bank personnel across functional lines.
• Ability to articulate bank strategies and customer service philosophy
• Excellent decision-making skills
• Ability to multi-task in highly demanding environment
• Efficient, high quality producer, with attention to detail
• Good judgment & analytical skills with the ability to remain focused & work independently
• Must be able to process constructive feedback & remain even tempered
• Ability to drive, with a valid driver’s license, to travel between offices and/or attend sales calls and customer visits