Vacancy expired!
The incumbent in this role will perform underwriting and risk analysis, loan portfolio quality management activities, underwriting administration, to include financial statement tracking, and participate in professional development and special projects.
Duties and Responsibilities include:
Loan Production and Credit Analysis
Perform underwriting and risk analysis for new commercial loan requests by preparing/reviewing financial spreads, Risk Grade Worksheets, and Commercial Real Estate Risk Rater, as assigned by Portfolio Managers
Prepare new commercial loan request presentations, submit to Portfolio Managers for quality control review
Loan Portfolio Quality Management
Perform underwriting and risk analysis for commercial loan renewals by preparing/reviewing financial spreads, Risk Grade Worksheets, and Commercial Real Estate Risk Rater, as assigned by Portfolio Managers
Perform/review loan Covenant Testing calculations
Prepare commercial loan renewal presentations, submit to Portfolio Managers for quality control review
Prepare commercial loan Annual Review presentations, submit to Portfolio Managers for quality control review
Underwriting Administration
Maintain financial statement tracking system (currently Financial Logs) to ensure timely and accurate request and collection of financial statements and other source documents required for underwriting
Maintain accurate and organized financial statement imaging system
Professional Development and Special Projects
Complete education, as identified or as assigned, that provides expertise in loan underwriting, credit analysis, and overall professional development
Serve, when requested, on special teams and projects across the organization.
Education and work experience includes:
Bachelor’s degree in accounting, finance, economics, or related field, or equivalent work experience
Minimum 0-2 years of experience in commercial credit analysis and/or similar field in Accounting or Finance, depending upon demonstrated abilities
Basic knowledge of credit administration, policy, and procedures
Basic knowledge of economics, accounting, and finance
Basic knowledge of risk analysis and mitigation
Basic technical report writing skills and knowledge
Excellent verbal and written communication skills