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About the role
Key responsibilities & impact- Conduct in-depth industry and financial analysis of existing and potential borrowers
- Work cooperatively to support the Lending and Credit functions of the Bank
- Responsible for financial analysis of moderately complex loans/industries/Customers
- Work more independently under the guidance and review of lead staff
- Good understanding of loan risk factors
- Research industry specific information from outside sources
- Participate in Customer meetings and make direct inquiry for specific Customer information
- Integral part of loan origination process
- Responsible for performing underwriting analysis of Borrower's character, credit worthiness and financial condition
- Support the lending function by providing analytical support
- Prepare insightful and timely approval memorandums for presentation to appropriate lending and credit authorities
- Analyze financial statements, management profiles, business and product cycles, cash flow ability, collateral, agings, etc.
- May prepare complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary
- May maintain credit files and monitor data such as updated financial statements
- Monitor compliance with regulatory requirements
- Provide written analysis that identifies any deviations from the Company Commercial Loan Policy
Requirements
What you’ll need- 4 year degree or equivalent experience
- 2+ years related experience required
- Developed knowledge of credit and financial analysis techniques
- Strong oral and written communication skills
- Strong analytical and research skills
- Developed PC skills including demonstrated proficiency and capability in word processing and spreadsheet software
- Ability to multi-task and meet deadlines
- Ability to maintain the confidentiality of credit and Customer information
- Good interpersonal skills and a team orientation
Benefits
Comp & perks- Health insurance
- 401(k) matching
- Paid time off (including Vacation PTO, Flex PTO, and Holiday PTO)
- Banking benefits and discounts
- Career development opportunities
- Reward and recognition programs
ATS Keywords
✓ Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
financial analysisunderwriting analysiscredit analysisloan originationrisk assessmentfinancial statement analysiscash flow analysisregulatory compliancecredit worthiness evaluationindustry analysis
Soft Skills
oral communicationwritten communicationanalytical skillsresearch skillsmulti-taskingdeadline managementinterpersonal skillsteam orientationconfidentialityproblem-solving