Responsible for making credit worthy decisions on complex commercial transactions to determine acceptability of risk in accordance with the company guidelines and standards.
Advanced expertise on commercial loans.
Position Accountabilities
- Evaluates all financial statements (business and personal tax returns, fiscal year-end and interim statements, and personal financial statements) for credit worthiness. Identifies recurring and non-recurring income/expenses. Comprehends all schedules, notes, and K-1's. Differentiates between cash and accrual method and comprehends UCA cash flow analysis. Consolidates related entities and summarizes results.
- Identifies credit strengths, weaknesses, industry risks, and anomalies that lead to further investigation. Determines or amends applicable loan agreement covenant and monitoring requirements.
- Collaborates with Relationship Managers on reasoning for a particular decision, answering potential loan request questions, identifying/resolving potential problem loans.
- Prepares a comprehensive credit summary in conjunction with the Relationship Managers and Credit Manager to address all material aspects of the request.
- Supports management of the Relationship Manager portfolio by addressing covenant violations, completing annual review/renewals, and identifying opportunities.
- Performs other duties as assigned.
Qualifications
Required Education or Equivalent Experience
Bachelor’s Degree Required.
Required Experience
- Years of functional/professional experience: At least 10 years.
- Field of Experience: Expert knowledge of information and data processing systems. Expert in evaluating business and credit reports.
- Expert knowledge of our Policy and Procedures.
- Expert understanding of various regulatory/compliance policy and procedure including but not limited to Fair Lending, OFAC, Flood, Regulation O, highly leveraged transactions, etc.
- Meet and/or exceed our Service Level Agreement commitment.
- Proficiency in MS Office and other system applications.
- Excellent written and verbal communication skills.
- Excellent organizational skills.
Additional Information
All your information will be kept confidential according to EEO guidelines.
#J-18808-Ljbffr
