Credit Officer Senior
- Review loan application and financial information; evaluate and determine credit structure and terms; fully underwrite CRR consistent with Bank format, policies and procedures; determine sources and uses of funds; analyzes industry data, competitive factors, historical performance, projected results, risks, and mitigating factors. Ensure CRR contains a well supported recommendation or decision; the risk rating is correct and supported; and the data and analytics used to support the decision are accurate and calculated correctly.
- Participates in the loan management process by providing credit and loan underwriting expertise to a Business Banking team. Analyzes prospective loan transactions and credit worthiness of borrowers. Validates the credit analysis prepared by the Credit Analysts and provides opinions and recommendations regarding proposed credit and potential risks. Ensures all due diligence and background evaluation is complete and thorough before Credit Underwriting Package is submitted.
- Solutions are thorough, and require analysis, interpretation, and evaluation of financial statements, cash flow analysis, third party reporting, familiarity with various industries, collateral issues and values, loan structuring and guarantor personal financial statements and tax returns. Prepares recommendations regarding approval or denial of applications exceeding posted standards. Loan size is typically over $1 million.
- Minimum 5 years of experience in underwriting small to medium sized business loans.
- Minimum 5 years of experience in a banking or financial services environment required.
- Bachelor's degree and/or Credit training is preferred.
- Working knowledge of credit, accounting, credit policy and financial statement analysis
- Excellent organizational and analytical skills
- Good verbal and written communication skills to present clear and precise recommendations based upon analysis for action on loans and loan treatments
- To be considered for this position you must meet at least these basic qualifications
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