Credit Analyst IV - Mission Bank

Responsibilities

• Independently manage a loan portfolio and a customer base.
• Responsible for servicing a variety of types of business loans in an assigned portfolio.
• Assists Relationship Managers ("RMs") in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
• Prepares spreadsheets and analyzes financial information including financial statements and tax returns.
• Compiles data from credit bureaus, conducts industry peer comparisons, and performs cash flow analyses and other such tasks and comparisons.
• Underwrite loan requests for RM review; makes recommendation on loan structures and terms to loan officers.
• Perform the review and renewal of credit facilities, and annual loan reviews of term loan customers to determine that current risk grades are still accurate.
• Mentor support staff and peers and leverage your knowledge to aid in their development by proactively coaching.
• Provide direct assistance to Regional Presidents, Division Manager and/or RMs, and accompanying on customer calls, as needed.
• Attends training and maintains a basic knowledge of procedures to ensure compliance with laws and regulations, with an emphasis on the BSA/AML/CIP.
• Other duties as assigned.

Requirements

• Minimum Requirements: Bachelor's degree (BA or BS) and four-five+ years of direct lending experience or equivalent combination.
• Possess a strong customer service orientation, and a willingness to place the customer first.
• Possess strong written/verbal communication skills as well as excellent organizational/time management skills.
• Work with a working knowledge of credit risk principles, loan documentation, and regulatory expectations.
• Experience with nCino or similar loan origination/credit systems preferred.
• Proficient in Excel.
• Detail oriented.
• Strong ability to analyze and synthesize large amounts of data.
• Possess strong written/verbal communication skills as well as excellent organizational/time management skills.
• Able to work with minimal supervision while performing duties.

Qualifications

• Ability to work with minimal supervision while performing duties.

Skills

• Customer Service Orientation
• Written/Verbal Communication Skills
• Organizational/Time Management Skills
• Working Knowledge of Credit Risk Principles
• Loan Documentation
• Regulatory Expectations
• Excel Proficiency
• Detail Oriented
• Strong Ability to Analyze and Synthesize Data

Benefits

• 401K
• Competitive Medical: PPO, HMO, Vision, Dental
• Short-term and long-term disability
• 11 paid holidays!