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 cash flow lending, asset-based lending, term loans, and commercial real estate loans. Performs independent credit analysis and risk assessment of existing credit requests.
Why It Might Be a Fit
Requires a Bachelor's degree in accounting, finance, economics or related field and/or related work experience. Demonstrates knowledge of lending, specifically cash flow and collateral analysis and loan structuring.
Requirements
- Bachelor's degree in accounting, finance, economics or related field
- Formal credit training and/or Intermediate/Financial Accounting 1 and 2
- Proficient in Financial Accounting
- Good to strong understanding of lending, specifically cash flow and collateral analysis and loan structuring
- Knowledge of state and federal regulations and laws as they pertain to this position
- Working knowledge of the Bank's Loan Policies and Standards
- 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 in a fast-paced environment
- Exceptional oral, written and interpersonal communication skills
- Ability to make decisions that have moderate impact on the immediate work unit and cross functional departments
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)
- 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
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