- Obtains loan request information from commercial lender or borrower to analyze credit information, financial statements and other related information pertaining to the loan.
- Researches background documentation and reviews personal and business financial statements and tax returns. Analyzes financial information and prepares the preliminary analysis for the lender.
- Requests and obtains financial statements on existing borrowers.
- Reviews and prepares written analysis, spreadsheets, reports, summaries and opinions. Prepares or assists in the preparation of loan memorandum for presentation to lenders and/or loan committees.
- Reviews loan files to ensure the completeness of the file and that all collateral has been secured properly.
- Assists lenders with calls on past-due loans as assigned by senior management with the bank’s loan portfolio.
- Updates collateral values, as needed on delinquent loans.
- Follows all applicable laws and regulations
- Conducts daily operation in accordance with the laws, regulation, policies, procedure, and expectations of the Bank. Compliance will be recognized as part of the period performance review; noncompliance may result in disciplinary action, up to and including termination of employment.
- Requires 5+ years’ experience in commercial loan credit underwriting, financial analysis, and credit approval experience.
- Requires credit approval experience in comparable commercial lending environment requiring the exercise of credit judgement.
- Ability to formulate and articulate objective views based on professional credit analysis.
- Advanced knowledge of credit philosophy and policies, loan documentation, bankruptcy and related legal issues.
- Minimum of bachelor’s degree or equivalent experience, graduate degree in business preferred. Completion of advanced courses in finance, accounting, and credit either through a bank sponsored training program or college course work.
- Strong verbal, written, and interpersonal skills, as well as analytic and problem-solving skills.
- Excellent knowledge of personal/business financial statements and tax returns.
- Demonstrated computer aptitude with a working knowledge of Microsoft office applications.
Health, Vision, & Dental Insurance
401 (K) Retirement Plan with Company Match
Company paid Life Insurance for full-time employees.
Paid Bank Holidays
Sick & Personal Time
Accrued Vacation time begin day one.
Continual Training & Growth Opportunities
Employee Celebration and Recognition
Tuition Reimbursement Program
