CREDIT ANALYST - SPECIALTY LENDING
We are looking for someone to join as a credit analyst supporting our specialty warehouse and equipment finance lending teams. Are you looking to join a supportive team that can provide you a long-term runway for your career in banking? Then, this position is right for you!
POSITION SUMMARY : Provides credit analysis for the warehouse lending and equipment finance teams, coordination of credit reviews, and ongoing monitoring of the warehouse and equipment finance portfolios. The desired candidate will use independent judgement and discretion to investigate credit requests and manage credit risk within the portfolio.
THIS ROLE IS ACCOUNTABLE FOR :
- Analyzing financial data of clients / prospects
- Preparing loan reviews / presentation on clients / prospects
- Assisting in the sales process
- Credit risk monitoring support
Accountability / Responsibilities
Analyzing financial data of clients / prospects - 30%
Attend and participate in client / prospect meetings with Loan Officers to help evaluate the credit worthiness of the client / prospect.Analyze client financial data, such as financial statements, financial ratios, credit reports, third party-sources, and other relevant data to assess credit worthiness.Provide accurate information and sound judgment regarding existing and prospective clients‘ creditworthiness to Loan Officers.Utilizes 3rd party credit reports to make accurate credit decisions in a fast-paced environmentPreparing loan reviews / presentation on clients / prospects - 30%
Proactively communicates with Loan Officers and clients to obtain all information necessary to effectively complete annual reviews on time.Underwrite and present credit committee presentations while adhering to the bank’s credit policies and guidelines.Support the credit department in planning and coordinating the warehouse and equipment finance review and risk rating processes.Assist with preparation and execution of facility documentation.Provide assistance in the general administration of the warehouse and equipment finance portfolios and proactively seek out and drive process improvements.Assisting in the sales process - 25%
Perform pre-call industry and company research and assist in the sales process.Assist the Loan Officers to ensure the CRM is updated for clients and prospects.Attend and participate in prospect meetings with Loan Officers to help evaluate the credit worthiness of the prospect.Credit risk monitoring support - 15%
Support the credit department in the preparation of reports on the quality and trends for both the warehouse and equipment finance portfolios.Monitor the current status and potential risk elements of existing clients, communicate with clients to resolve issues, and bring significant items to the attention of the Loan Officer with recommendations for action.Recommend continuous improvement to the bank’s credit monitoring and reporting mechanisms.Team Accountabilities :
Delighting my customersGiving my allCreating a great place to workMaking improvementsKeeping us compliantSupervision
This role does not have supervisory or other work direction responsibility over other employees.
OTHER DUTIES
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
EDUCATION, EXPERIENCE AND SKILLS
Bachelor’s degree in finance, accounting or related disciplineProficient in MS Office products, particularly ExcelPrevious banking experience (1-3 years) a plusWorkload Management – Ability to effectively manage multiple projects and deadlinesInterpersonal Skills – Ability to establish and cultivate trusting professional working relationships,Communication – Ability to express ideas and opinions clearly and directly, both verbally and in writingAnalytical Skills – Ability to collect and analyze data, draw sound conclusions, and formulate recommendations that address critical variablesTeamwork – Ability to foster a shared sense of purpose, collaboration, and accountability for resultsInnately curious – A hunger to learn and understand complex informationPI278028100
