Sr Credit Analyst/Underwriter (SENIO011941)

Essential Duties And Responsibilities

• Generate financial spreads, or oversee and review spreads prepared by Analyst I or II within the bank lending operating system (nCino) using financial statements to find and review trends.
• Create spreadsheets designed to quantify borrower's personal, global, and real estate cash flows/project analysis on an accurate and timely basis.
• Create credit memos and annual reviews, as defined in current department procedures.
• Attend loan committee meetings when directed by management.
• Provide guidance and assistance in mentoring Analyst I & II as directed by Regional Manager.
• Engage Analyst I or II to assist in tasks related to analysis of the credits or relationships and provide oversight of work product to ensure work product is accurate and delivered within necessary time frame to complete overall analysis.
• Act as backup the Regional Manager or other CA leader in the review of work product performed by other Analyst's on the team.
• The ability to work in a constant state of alertness and in a safe manner.
• Complete required BSA/AML training and other compliance training as assigned.

Qualifications

• Broad knowledge of such fields as accounting, marketing, business administration, finance, etc.
• Educational requirement: Equivalent to a four year college degree, plus 7 years related experience and/or training, and 4 years related management experience, or equivalent combination of education and experience.
• Communication skills: Ability to write reports, business correspondence, and policy/procedure manuals; ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
• MATHEMATICAL SKILLS: Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane, algebra, solid geometry and trigonometry.
• Critical thinking skills: Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
• Software skills required: Advanced: 10-Key, Accounting, Spreadsheet, Word Processing/Typing; Intermediate: Alphanumeric Data Entry; Basic: Human Resources Systems, Presentation/PowerPoint.
• Responsibility for work of others: Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities may include but not limited to interviewing, hiring and training employees; planning, assigning and directing work; appraising performance, rewarding and disciplining employees; addressing complaints and resolving problems.
• Supervises a small group (3-7) of employees, usually of lower classifications. Assigns and checks work; assists and instructs as required and performs same work as those supervised, or closely related work, a portion of the time.

Responsibilities for Others

• Supervises the following departments: Credit Analysts and Underwriters.

Working Conditions

• Periodically exposed to such elements as noise, intermittent standing, walking, pushing, carrying, or lifting.