Job Description

Job Summary

Under direct supervision, uses knowledge and skills obtained through education, training and experience to assist a business unit or department in making credit decisions. Verifies credit information and analyzes routine financial data. Oversight is provided to perform work that is somewhat difficult in character requiring some evaluation, originality and ingenuity to make routine decisions. Maintains regular contact with customers and other external entities to identify, research and resolve problems.

Essential Duties and Responsibilities

Researches and analyzes financial statements, interprets findings, and prepares various reports for use in loan underwritings and periodic loan reviews.
Maintains documentation files and monitors compliance with terms of loans.
May periodically monitor accounts and escalate irregularities or inconsistencies as appropriate.
Prepares spreadsheets, reports, summaries and opinions.
Prepares report evaluations while ensuring compliance with organizational policies and applicable State, Federal, agency and investor guidelines.
Performs other duties and responsibilities as assigned.

Qualifications

Knowledge, Skills, and Abilities

Knowledge of

Fundamental concepts, practices and procedures of accounting and financial principles.
Fundamental concepts, practices and procedures of credit analysis.
Financial markets and products.
Federal and State laws.

Skill in

Reading, interpreting, analyzing and applying information from credit reports.
Researching, interpreting and analyzing basic financial statements.
Preparing routine financial position and credit reports.
Maintaining documentation files.
Credit portfolio management.
Ensuring compliance with organizational policies and applicable State, Federal, agency and investor guidelines.
Operating standard office equipment and using required software applications.

Ability to

Partner with others to accomplish objectives.
Attend to detail while maintaining a big picture orientation.
Interpret and apply policies.
Manage multiple tasks with changing priorities to meet deadlines in a fast paced environment with frequent interruptions.
Provide a high level of customer service.
Establish and maintain effective working relationships with others.

Educational/Previous Experience Requirements

Bachelors Degree (B.A.) in related field and zero (0) to two (2) years of credit experience.
OR ~
Any equivalent combination of experience, education, and/or training approved by Human Resources.

Licenses/Certifications

None required
Raymond James Bank is an EOE/AA and VEVRAA Federal Contractor
Priority will be given to protected veterans
EOE/AA: Female/Minorities/Disabled/Protected Veterans/LGBT