SW Commercial Credit Analyst I

*** Sponsorship not available

RESPONSIBILITIES

• Accurately prepare loan requests and loan renewal write-ups; including global cash flow analysis, collateral analysis, industry analysis, management analysis, and overall repayment capacity


• Complete underwriting in accordance with current regulations, compliance terms, bank policy, and legal requirements


• Accurately spread financial statements and tax returns and analyze historical performance


• Assist in the preparation of annual reviews of existing clients upon receipt of updated financial information


• Monitor financial statement requirements, loan covenants, and borrowing base certificates and communicate findings to lender and manager. Prepare pertinent reports, tracking financial information and receipt thereof.


• Participate in identifying, measuring, monitoring, controlling, and mitigating credit risk of the commercial loan portfolio


• Obtain, analyze, and incorporate third-party borrower information (e.g., credit reports, costar, RMA)


• Accompany Commercial Lenders on calls and inspections, and assist with presenting loan requests to approvers as needed


• Assist in loan review cycle and with classified asset reporting


• Attend and participate in department meetings as necessary


• Maintain orderly and up to date credit files


• Maintain ownership for all accepted tasks


• Take a proactive approach to learning and career development


• Understand and promote the bank’s credit culture and credit policies


• Maintain awareness of and adherence to Bank’s compliance requirements and risk management concepts, expectations, policies and procedures and apply them to daily tasks


• Deliver a consistent, high level of service within our Serving More standards


• Other duties as assigned

COMPETENCIES

• Interpersonal/Customer Service Skills


• Written and Verbal Communication


• Ability to understand and follow directions


• Adaptable to change


• Basic Computer Skills


• Analytical Thinking


• Ability to work as part of a team

SCHEDULE

Office hours are Monday through Friday 8am to 5pm. This position is hourly and full time. A minimum 37.5 hours is required to maintain eligibility for full-time status. Generally the position will require 40+ hours per week.

A flexible work arrangement is available for this position. The position will require some scheduled onsite hours. Please speak to the hiring manager for more information. 

EDUCATION - CERTIFICATIONS - WORK EXPERIENCE

BA/BS, Business Management required

BA/BS, Finance / Accounting or other concentrations considered with 2+ years relevant experience