Credit Associate - Food & Beverage
About the role
The Credit Associate supports credit analysis and portfolio management activities for the national Food & Beverage ("F&B") platform.
Responsibilities
- Support due diligence efforts as Agent or Participant for Borrowers across the F&B value chain.
- Perform monthly/quarterly and annual reviews covering financial performance, risk ratings, capacity to repay, covenants, etc.
- Evaluate credit requests to assess creditworthiness and prepare corresponding approval memorandums, as applicable.
Requirements
- Bachelor's Degree or equivalent in Finance, Business, or related field
- Minimum 2 years of progressively increasing credit underwriting and portfolio management experience in relevant industry/industries
- Intermediate experience (ideally 3+ years underwriting) in credit management and lending operations
- Strong communication and collaboration skills, with the ability to work effectively with senior leadership and cross-functional teams
- Intermediate analytical skills, with the ability to interpret complex data and make informed decisions
Qualifications
- Demonstrates a strong desire to learn advanced underwriting and portfolio management skills, actively seeking opportunities for professional growth and development
- Maintains high standards of credit quality and origination in alignment with Bank’s credit risk appetite, and compliance with institutional and regulatory requirements
Skills
- Historical and projected financial statement analysis
- Dynamic 3-statement financial modeling
- Credit memorandum preparation
Benefits and Perks
Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
Generous 401(k) company matching contribution
Career Development through Tuition Reimbursement and other internal upskilling and training resources
Valued Time Away benefits including vacation, sick and volunteer time
Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
Career Mobility support from a dedicated recruitment team
Colleague Resource Groups to support networking and community engagement
Pay
Starting base salary: $34.55 - $55.19 per hour. Exact compensation may vary based on skills, experience, and location.
Schedule
This job is eligible for bonus and/or commissions.