Loan Credit Specialist
Hancock Whitney
full-time
Posted on:
Location Type: Office
Location: New Orleans • Louisiana • Mississippi • United States
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About the role
- Provide loan decisions and/or credit recommendations based on a review of all underwriting criteria, including loan structure, collateral, interest rate, and fees within assigned loan authority.
- May recommend loan approval terms, conditions and structure that exceed assigned loan authority.
- Responsible for reviewing financial statements, identifying project cash flow and income potential on information provided in loan application that renders an accurate global cash flow.
- Provide specific due diligence conditions required to approve loan including application of local knowledge of the commercial real estate market of the borrower.
- Evaluates all commercial loan requests, using a thorough knowledge of credit policy, guidelines and procedures.
- Exhibits thorough knowledge of fair lending issues, HMDA, rules, and various regulations that directly impact the commercial lending areas.
- Exhibits the ability to utilize judgmental commercial credit underwriting skills to render a decision within assigned loan authority.
- Summarizes and adjudicates final credit decision, within credit authority, on a credit processing system, which will be monitored and reviewed by management.
- Refers and recommends loans above approval limits to a more Senior Loan Credit Specialist or Team Leader.
- Ability to perform in a dynamic production environment and meet unit productivity goals.
- Responsible for making accurate decisions in granting loan requests within specified limits.
- Demonstrates an understanding of credit scoring and risk management concepts.
- Communicates effectively and interacts with all levels of management.
Requirements
- Bachelor’s degree preferably in accounting, finance or economics required.
- 5 years of credit analysis and/or loan review experience preferably in the banking industry required.
- A combination of education, experience and training may be considered.
- Must be attentive to detail and possess excellent verbal and written communication and organizational skills.
- Proficiency with Microsoft Office applications; Intermediate Excel and Word skills required.
- Knowledge and familiarity with deposit and loan accounting systems is preferred.
Benefits
- Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
credit analysisloan reviewfinancial statement reviewcash flow analysiscredit scoringrisk managementcommercial credit underwritingdue diligenceloan structuringfair lending knowledge
Soft Skills
attention to detailverbal communicationwritten communicationorganizational skillsjudgmentinterpersonal skillsdecision makingadaptabilityproductivitycollaboration