Job Description

Summary

If you are interested in a career in commercial credit, you've come to the right place.  Our commitment to you is a positive work environment, a deep connection to our communities, and a focus on putting our clients first.  As an industry-leading provider of sophisticated financial solutions, we believe no challenge is too big, and no opportunity is too small, when we work together to build relationships. Join us as a Credit Specialist!

About the Role

You’re an analyst and an author of moderately complex credit approval documents working in a deadline-driven environment. Your primary responsibility will be underwriting financial transactions. You will analyze quarterly financial statements, conduct trend analysis and exception reporting for loans and treasury products, working collaboratively with relationship managers and department managers to make credit decisions. Accuracy is critical. Portfolio management is a component of the broader portfolio.

What You Can Expect

Adding value to the customers and moving their business forward is rewarding. You will participate in document reviews and loan closings, uncover and document all policy exceptions, and gather essential information for credit analysis from customers and prospects. You will have opportunities to participate in training, engage in self-improvement initiatives and skill-building activities to enhance your credit knowledge, systems knowledge, and client relations.  

Team Culture

We live the company values in everything we do and act with honor and transparency.  Integrity sets the foundation for team members to build trust with one another and build relationships. We leverage collaborative teamwork when expressing credit concerns and developing solutions for new deals and opportunities. The entire team works hand-in-hand on write-ups. 

How You'll Spend Your Time

•  You will make recommendations on loan structure to Relationship Managers.

•  You will shadow the Relationship Manager on credit customer and prospect calls.

•  You will monitor specified credits through quarterly compliance testing, financial statement spreading, and other credit services.

•  You will participate in writing commitment reports for specified loans, participate in committee presentations, and present loan renewals to management

•  You will oversee and manage the customer or prospect database in Salesforce.

•  You will monitor specified credits to ensure proper cash flow, financial stability of the borrower and its principals, and compliance to loan covenants.

•  You will assist in solving complex/sensitive inquires of customers through extensive research to resolve problems/errors.

•  You will provide credit training to Accelerated Career Track participants.

We'd Like to Talk to You

ACCOUNTING: You demonstrate knowledge of intermediate accounting and credit principles, lending functions, and loan analysis including loan grading, documentation, policy and regulations.   

COMMUNICATION:  You express ideas concisely, speak clearly and can easily be understood. You tailor written communications to effectively reach your audience. 

ANALYTICAL THINKING: You approach a problem logically, systematically, and sequentially.

CREDIT APTITUDE: You examine your client’s creditworthiness to alleviate risk and make informed decisions. 

RELATIONSHIP BUILDER: You relate to any audience and build trust by leveraging strong interpersonal skills and a high level of integrity.

TECH SAVVY: You will use your solid knowledge of product delivery systems, on-line computer systems, and MS Office to navigate multiple systems.

Education & Experience Requirements

This level of knowledge is normally acquired through completion of a Bachelor’s degree and 6-8 years Credit Analysis/Credit Specialist experience or 12-14 years’ equivalent work related experience.