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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in credit analysis, financial statement analysis, and portfolio management, with a strong ability to communicate effectively with clients and stakeholders. Proficient in credit decision-making and risk assessment within the business loan sector.
Highest-signal resume keywords
Credit Analysis ExperienceBusiness Loan UnderwritingFinancial Analytical SkillsExcellent Writing SkillsProficiency in Excel
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit Decision-MakingFinancial SpreadingPortfolio MonitoringLoan Servicing ActionsCredit Structure SolutionsCovenant TestingDocumentation Exception ResolutionSite VisitsBusiness Loan ExperienceAccounting Knowledge
Soft Skills
Excellent Verbal CommunicationInterpersonal SkillsIndependent Work AbilityProblem-Solving SkillsStrategic Thinking
Tools & Technologies
ExcelWordCapital StreamFIS/BIS
Industry Keywords
Business BankingCredit UnderwritingLoan ManagementFinancial ReportingRisk GuidanceMulti-State PortfolioCovenantsCredit ConditionsLoan ExceptionsCollections
About the role
Key responsibilities & impact- Assist Business Banking and Practice Finance officers with portfolio management activities for generally loans over $500,000 reviewed, decisioned, and managed by the Business Banking Loan Center
- Partner with and support relationship managers and client managers
- Perform credit underwriting for renewals, modifications, term changes, credit reviews, and reaffirmations
- Analyze business and personal financial statements and perform financial spreading with the underwriting team
- Present solutions for credit structure, covenants, financial reporting requirements, and other credit conditions to the Underwriter
- Continuously monitor the portfolio, including loan exceptions, BBC, covenants, past dues, and other portfolio activities
- Recognize and manage recurring early warning signs according to established protocols
- Provide specialized risk guidance and advice on watch list credits across a multi-state geographical footprint
- Secure financial information and test covenant requirements
- Provide timely client follow-up and ensure loan servicing actions, including collections, demand letters, lawsuits, and liquidations, are properly administered
- Perform site visits when needed
- Address complaints, resolve documentation exceptions, and resolve covenant requirement violations
- Perform other duties as assigned
Requirements
What you’ll need- Bachelor’s Degree in Business, Accounting, Finance, or a related area with at least 6 hours of accounting
- At least 1 year of Business Loan experience for loans up to $5MM
- At least 1 year of credit analysis experience
- Equivalent combination of education and experience accepted
- Credit decision-making skills and ability
- Financial analytical skills and ability to solve complex problems by interpreting data and results
- Excellent writing skills for creating credit memos
- Excellent verbal and interpersonal skills to communicate with sales force and credit managers
- Ability to work independently
- Proficiency in Excel and Word for creating tables and worksheets for credit memos
- Previous Business Loan collections experience is a bonus
- 2 years of Business Loan credit underwriting is a bonus
- Knowledge of Capital Stream and FIS/BIS is a bonus
- Strategic thinking and ability to envision the future state of the portfolio is a bonus
Benefits
Comp & perks- Paid Time Off
- 401(k) matching program
- Annual incentive pay
- Paid holidays
- Company-sponsored benefit plan including medical, dental, vision, and other insurance coverage
- Health savings accounts
- Flexible spending accounts
- Dependent care accounts
- Adoption assistance
- Employee assistance program
- Fitness reimbursement
- Tuition reimbursement
- Associate wellbeing program
- Associate emergency fund
- Various associate banking benefits