Role OverviewResponsible for providing financial, credit, and trend analysis for the delivery of the Banks credit products and services to middle market and other business clients and prospects. Monitors assigned credit relationships for covenant compliance, collateral monitoring, and credit deterioration, as applicable.
What You Will Do
Independently evaluates and structures lower complexity credit requests, including asset-based lending, term loans, and commercial real estate loans. Performs independent credit analysis and risk assessment of new and existing credit requests.
Why It Might Be a Fit
Requires a strong understanding of lending, specifically cash flow and collateral analysis and loan structuring. Demonstrates knowledge of state and federal regulations and laws as they pertain to this position.
Requirements
- Bachelor's degree in accounting, finance, economics or related field
- 3 years of related work experience
- Formal credit training and/or Intermediate/Financial Accounting 1 and 2
- Intermediate/Financial Accounting 1 and 2
- Strong skills in computer terminal and personal computer operation; Microsoft Office applications
- Advanced math skills; calculate interest and percentages; balance accounts; add, subtract, multiply and divide in all units of measure
- Effective organizational and time management skills
- Exceptional oral, written and interpersonal communication skills
- Analytical writing skills a must
- Ability to make decisions that have moderate impact on the immediate work unit and cross functional departments
- Ability to comprehend and explain financial calculations and pricing alternatives
- Ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, and speak clearly to customers and employees
- Ability to make informal and formal presentations, inside and outside the organization
- Ability to deal with complex difficult problems involving multiple facets and variables in non-standardized situations
- Ability to work with little to no supervision while performing duties
Benefits
- 401k plan with company match and immediate vesting
- Comprehensive insurance options including medical, dental, vision, AD&D, supplemental life, long-term disability, pre-tax Health Savings Account with employer contributions, and pre-tax Flexible Spending Account (FSA)
- Adoption, surrogacy, and fertility assistance
- Paid parental leave and family support solutions including care options for your family
- Paid vacation days, holidays, and volunteer time off
- Tuition reimbursement
- Annual mentorship program
- Leadership development resources
- Access to LinkedIn Learning
]]>