This role provides credit analysis and risk management for new and existing business members, including partnership with Commercial Lenders in managing risk of the commercial loan portfolio. Performs credit analysis and assesses risk for borrowing relationships to make loan approval recommendations regardless of size or level of complexity. This role ensures credit analysis compliance with applicable policies, procedures, and regulatory requirements to monitor borrower and portfolio health on an ongoing basis. Additionally, this role provides guidance for Problem Loan Monitoring and analysis of future repayment risk, and mentorship for less experienced analysts.
Essential FunctionsIndependently interpret credit and lending policies to prepare written credit presentations and approval recommendations, providing a detailed analysis of borrower's repayment capacity and project risks on loans ranging from 1 million to $30 million in size, with an emphasis on more complex loan structuresParticipate in collaboration on structure for proposed loans, and recommend structure improvementsIndependently prepare and analyze financial spreads and relevant financial information to assess borrower's ability to repay existing loans and new loan requests using key financial metrics and documentationAnalyze and evaluate financial capacity of borrower and loan guarantors, including preparation of global cash flow analysisResearch & evaluate borrower's background, management capability, industry position and competitor's strengthProduce written and detailed credit risk analysis recommendations in a clear and concise manner for appropriate audience commensurate with risk and policy/procedure guidelinesActive participation in industry trade groups relevant to Wings' commercial portfolioParticipate in organizational initiatives such as M&A due diligence and NCUA examination, as assignedAs directed, provide subject matter expertise and department representation to organizational projects and initiativesIn partnership with Manager, provide growth opportunities and task mentorship for Commercial Credit Analysts I and IIContinuing education and networking throughout the year to gather knowledge of changing industry trends that impact risk to Wings and borrowers. Complete all applicable compliance training and/or sales tutorials within established timelines.Attend Business Loan Review Committee meetings to assist commercial lenders with new credit request presentations and annual credit reviews.Bank Secrecy Act: Remains cognizant of and adheres to Wings policies and procedures, and regulations pertaining to the Bank Secrecy Act.
