The employee will be responsible for evaluating potential counterparty transactions via the preparation of credit memorandums to be submitted to management and Officer’s Loan Committee. This will include, but is not limited to, evaluating credit worthiness of potential borrowers via the underwriting of borrower financial statements, collateral coverage, and guarantor support. Loans to be underwritten include new, renewal, and loans for extension.
ESSENTIAL FUNCTIONS AND DUTIES:
Must have a four year undergraduate degree in Business, Accounting or Finance or equivalent work experience. At least two years of experience as a Credit Analyst or above (completion of formal credit training is preferred).
KNOWLEDGE, SKILLS, AND ABILITIES:
Knowledge of advanced accounting concepts. Proficiency with Excel, Word and financial analysis software. Technical writing skills. Excellent customer relations skills, negotiation skills, written and verbal communication skills, telephone skills, problem solving skills, interpersonal skills and a professional presentation. Requires comprehension/interpretation of written and verbal instruction. Must have the ability to work independently, work under pressure, and be results-oriented, a team player, flexible and self-starter. Requires analytical ability and the ability to perform simple/complex mathematical calculations, ability to manage multiple priorities, give attention to detail and organizational skills. Ability and willingness to work with a variety of individuals and departments.
Typical work schedule: 8:30 a.m. – 5:30 p.m. M-F