All First Bank employees are required to:
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Be attentive to our customer/co-worker needs with a welcoming personality.
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Possess a team-oriented attitude with a desire to see success in themselves and others.
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Maintain a strict standard of confidentiality involving all transactions.
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Develop a working knowledge of all bank products.
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Strictly adhere to First Bank’s Code of Ethics Policy
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Complete assigned training courses on our before schedule deadlines.
Summary: Responsible for providing comprehensive financial & credit underwriting for commercial banking relationships, monitor and document covenant compliance for assigned relationships, spread business financial statements and individual tax returns and personal financial statements per GAAP and credit policies using financial analysis software packages as well as train credit analysts/portfolio managers. Conduct internal loan review annually to determine the credit quality of loans within the Bank’s loan portfolio. Expected to develop and maintain a high level of customer service.
Education, Experience, and Skills Required:
- College degree (BS or BA in relevant field)
- Minimum of 5 years or more advanced commercial underwriting & financial statement analysis skills; including UCA Cash Flow & Global Cash Flow Analysis.
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Advanced knowledge and understanding of regulatory guidelines, risk management, commercial loan policy, and financial and credit analysis.
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Strong analytical skills and ability to conduct thorough research with little or no guidance.
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Must possess the ability to manage multiple tasks, conflicting deadlines.
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Must possess the ability to interact positively with all levels of the organization, including Management, the Board of Directors, coworkers, and with external customers to promote a team effort and maintain a positive attitude.
- Excellent oral, written, telephone, organizational and interpersonal communication skills required.
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Experience using personal desktop and laptop computers, as well as email and the internet.
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Proficient in the use of Microsoft applications such as Word, Excel and PowerPoint. AI experience preferred.
Duties and Responsibilities:
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Work directly with the commercial lending team to coordinate commercial loan approvals.
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Prepare and underwrite the financial & cash flow analysis within loan presentations with a high degree of accuracy.
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Attend commercial lending team business development meetings, as needed.
- Work directly with third party vendors to evaluate the bank’s loan portfolio by utilizing & analyzing the various metrics provided by each respective vendor.
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Work directly with internal and external auditors, bank examiners, and external loan review to provide feedback and documentation required by regulatory guidance.
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Perform annual internal reviews on loan relationships meeting certain criteria, perform post-closing reviews of loans originated greater than a specified dollar amount, and compile data to create reports as requested by management.
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Spread and analyze financial statements, tax returns, borrowing base reports, appraisals, and guarantor financial statements for both new and existing commercial loan customers.
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Assess and recommend risk ratings based on creditworthiness of borrower and provide supporting reasons.
- Prepare continuous action plans and documentation for non-pass grade credits, including updates prior to quarterly Credit Quality Review meetings.
- Coordinate with loan officers for both new and existing borrowers concerning loan policy, financial, and collateral exceptions, and any other required documentation missing from the loan file during the internal review and all phases of the loan process.
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Assist in preparing monthly and quarterly First Bank Board reporting.
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Prepare for and lead various Credit Administration meetings as requested by management. Retain all pertinent documentation and maintain minutes of meetings as needed.
- Train portfolio managers and credit analysts on credit related skills for spreading financial statements and introduction to financial statement analysis.
Secondary or Additional Job Duties:
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This job description in no way states or implies that these are the only duties to be performed. You will be expected to follow any other job-related instructions and to perform other job-related duties as requested by management.
Statement of Understanding:
I understand that the above duties and how I perform them are the requirements on which my performance will be judged. It is understood that these duties may be revised from time to time at the discretion of the Bank’s management.
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Employee’s Signature Date
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Reviewing First Bank Representative Date
