POSITION SUMMARY:
Works closely with Lenders during new deal origination, including crafting structure, and working with applicants to deliver a complete application package for underwriting. Completes comprehensive credit underwriting and analyses for new and existing commercial loans. Participates in all aspects of property appraisals and evaluations, including environmental due diligence. Monitors and tracks portfolio including covenant measurement, annual reviews, borrowing bases, and financial statement exceptions. Conducts annual line of credit reviews and completes special projects and reports.
ESSENTIAL FUNCTIONS:
We are committed to providing equal employment opportunities and will make reasonable accommodations to enable individuals with disabilities to perform the essential functions of this role.
· Ensures timely preparation of comprehensive written credit analysis for new commercial loans and for changes to existing commercial loans that include analysis of financial, managerial, market, collateral, and other relevant loan data.
· Reviews potential loan transactions, provides a risk summarization, which may include analysis of financial, managerial, market, collateral, and other relevant loan data, and provides suggested questions, structure, and additional information as needed.
· Regularly reviews and updates loan files; reviews asset-based loans and loan agreement compliance; monitors documentation and financial statement exceptions. Suggests and implements strategies and action plans for classified loans.
· Effectively and courteously provides assistance to new and existing Bank clients including file maintenance and procuring updated information; resolves commercial loan issues with accountants and attorneys; provides technical advice to commercial lenders; responds to and performs credit inquiries and commercial references.
· Assists Senior Management in preparation for internal audits and regulatory exams; maintains knowledge of available loan enhancements and associated requirements.
· Timely completion of assigned training.
· Performs all duties as assigned by the Director of Credit Administration for which the position is qualified.
· Other duties as appropriately assigned.
The above description covers the most significant responsibilities but does not exclude other occasional responsibilities and accountabilities.
REQUIRED KNOWLEDGE, SKILLS, AND ABILITIES:
· A bachelor’s degree in accounting, Business, Economics, or Finance, or equivalent experience
· Proficiency with Microsoft Office products and Loan Origination Systems.
· Strong interpersonal skills and independent judgment abilities.
· Excellent organizational and time management skills with a sense of urgency.
· Excellent written and oral communication skills.
· Effective analysis skills.
· The ability to work independently, with elevated level of accuracy and attention to detail.
· Ability to work in a collaborative environment with common goals.
· Ability to maintain accuracy and meet tight time demands and deadlines.
· Cheerful outlook and willingness to be a collaborator.
· Able to manage sensitive or confidential matters with discretion and privacy.
SUPERVISORY RESPONSIBILITIES:
None
PHYSICAL DEMANDS/WORK ENVIRONMENT:
The employee must be able to sit or stand for extended periods, operate a computer keyboard and mouse, reach at or below shoulder level, lift to 25 lbs., and perform light pushing/pulling. Close vision is required for computer work. The work environment is moderately noisy and may require occasional standing or walking between workstations.
We are an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other protected characteristic under applicable law.
Pay: From $85,000.00 per year
Benefits:
- 401(k)
- 401(k) matching
- Dental insurance
- Flexible spending account
- Life insurance
- Paid time off
- Parental leave
- Vision insurance
Work Location: In person
