Analyzes credit data to estimate degree of risk involved in extending credit or lending money to commercial businesses or individuals; Leads their respective teams; assumes the responsibilities of a manager by performing the following duties.
Requirements
- Conduct thorough analysis of financial statements and assessment of credit requests on complex commercial credit relationships of $2,500,000 and greater.
- Keep up to date with the company’s lending protocols.
- Ability to effectively manage competing deadlines for projects in a high-pressure work environment, with varying degrees of supervision and a working knowledge of accounting principles and financial techniques
- Research skills
- Strong problem-solving, mathematical and analytical skills
- Excellent written and verbal communication skills
- Ability to maintain confidentiality
- Proficiency with computers and computer software, like programs that aid in statistical and financial calculations
- Proficiency with financial reports and statements
- Strong attention to detail and ability to notice discrepancies in data
- Impeccable understanding of financial statements, ratios, and concepts
- Performs loan reviews/annual reviews on selected borrowers and guarantors for commercial credit relationships of $2,500,000 and greater.
- Performs cash flows, financial credit analysis, collateral valuations, global cash flows, etc. for commercial borrowers and guarantors on credit relationships of $2,500,000 and greater.
- Accompanies relationship managers on customer calls and site visits of potential and existing customers as requested / needed.
- Performs ongoing file maintenance to ensure credit information is uploaded to the credit file in a timely basis as needed.
- Identifies policy, collateral, and missing document exceptions.
- Identifies strengths and weaknesses of the relationship.
- Assists relationship managers in structuring credits, assessing covenants and monitoring procedures.
- Responsible for training and development of new relationship managers on the credit analysis process.
- Responsible for training, development, and mentoring of new credit analysts and the CDP analyst on the credit analysis underwriting and processes.
- Manages and develops Credit Analyst II / III in the department along with the CDP Analyst (Credit Analyst I).
- Distributes and assigns work flow based on knowledge and complexity in credit manager’s absence.
- Assists Loan Committee, as needed, with reports, agenda, meeting book, minutes of meetings, and any other duties in Credit Analysis Manager's absence.
- Supervises employees of the Credit Analysis Department in manager’s absence. May supervise and manage the Credit Analyst II / III. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws.
Benefits
- Paid Time Off
- 401k Matching
- Retirement Plan
