Job DescriptionWhile in this role, you will oversee effective credit underwriting, credit, and risk administration with particular emphasis on adherence to credit policy and requirements, financial analysis/modeling, risk evaluation, ongoing portfolio maintenance activities, and as needed client support for an assigned portfolio of existing Commercial credits.
Primary responsibilities include- Assist with processing loan modifications, tracks and collects financial reporting and covenant compliance.
- Develop solutions and alternative to modifications, including financial covenant structuring.
- Engage with existing customers on a specific financial analysis or account management issue.
- Work diligently in managing assigned credits to present information in an organize manner.
- Responsible for managing the existing portfolio of credits through verification and analysis of financial and collateral information.
- Use independent judgment and discretion to complete credit memos, cash flow coverage, projections, collateral coverage, spreads, and risk ratings for assigned credits.
- Work with an assigned group of PMs in support of the activities noted above for moderate to complex credits.
- Interpret financial statements and make recommendations based on the analysis completed and will advise findings to PM or RM.
- Answer financial analysis or modeling questions for other credit analysts.
- Handle multiple accounts on your own, engage in 1:1 client contact, and actively participate in risk discussions.
Qualifications, Education, Certifications and/or Other Professional Credentials- 3-5 years of proven experience in credit and risk administration, with a strong understanding of credit policy and compliance requirements.
- Proficiency in financial analysis, modeling, and risk evaluation, including interpreting financial statements and advising on findings.
- Demonstrated ability to manage and maintain portfolios, including loan modifications and covenant compliance.
- Capable of independently completing credit packages, including terms and conditions, cash flow and collateral coverage worksheets, and risk ratings.
- Strong judgment and discretion in credit decisioning and client engagement.
- Effective communicator with clients and internal stakeholders, including Credit and Portfolio Managers.
- Comfortable handling multiple accounts and participating in risk discussions.
- Collaborative mindset with experience supporting credits and mentoring peers on financial analysis and modeling.
- Maintains up-to-date knowledge of market trends and industry developments relevant to commercial credit.
Hours & Work Schedule- Hours per Week: 40
- Work Schedule: M-F
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