Sr. Credit Analyst/Credit Analyst

Essential Functions

• Experience in commercial credit analysis and documentation of commercial credit lines
• Strong analytical skills and knowledge of commercial finance transactions
• Credit Underwriting: Gather required documents and additional information needed to process and review new loan applications, request for existing accounts, and handle annual renewals.
• Spread and analyze business financial statements, tax returns and other supporting documents used in providing credit recommendations.
• Work with Credit Manager, Account Manager, VP and CCO of Commercial Credit team.

Documentation

• Complete Legal Documents required for approved Retailer Credit Lines
• Collect all conditions of Approval from Retailer

Minimum Qualifications

• Bachelor’s degree in finance or accounting preferred
• Recent college graduate looking for entry level position in a growing company
• Some prior work experience in financial services industry preferred but not required
• Familiarity with concepts, procedures and processes typically used in finance
• Quick learner of the proprietary computer system used to manage and underwrite the accounts
• Preparation or ability to review documents and reports using Microsoft Office based products
• Good organizational, clerical, numeric, oral and written language skills
• Knowledge of customer service principles and practices
• Experience in commercial underwriting for a Regional or National Bank (2+ years)
• Versed in Commercial Real Estate underwriting (preferred, not required)
• Experienced in underwriting deals in excess of $1,000,000
• Expected to be able to calculate DSCR, Liquidity, Working Capital, Leverage, LTV based on financial statements
• Familiarity with corporate tax return analysis
• Capable of creative writing/narrative building to relay the request, risk assessment, and analysis to approval committee
• Commercial Underwriting experience

Physical Demand

• Ability to safely and successfully perform the essential job functions consistent with the ADA, FMLA and other federal, state and local standards, including meeting qualitative and/or quantitative productivity standards.
• Able to maintain regular, punctual attendance consistent with the ADA, FMLA and other federal, state and local standards
• Must be able to talk, listen and speak clearly on telephone
• Able to sit at a work station for prolonged periods of time