Senior Credit AnalystUnderwriter
Senior Credit AnalystUnderwriter
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Salary Not Disclosed
1 Vacancy
Job Description
GENERAL DESCRIPTION OF POSITION
The Sr. Credit Analyst/Underwriter performs financial based analysis and underwriting of credits which is used by the bank to assess risk and monitor existing credits to entities or individuals. This position performs analysis on the largest and most complex loans or relationships with a Region or Industry. The Sr Credit Analyst/Underwriter engages with Analyst I or II as appropriate to assist in the analysis of the credits or relationships and as directed by their manager.
ESSENTIAL DUTIES AND RESPONSIBILITIES
1. Generate financial spreads or oversee and review spreads prepared by Analyst I or II within the bank lending operating system (nCino) using financial statements to find and review trends. This duty is performed daily about 20 of the time.
2. Create spreadsheets designed to quantify borrowers personal global and real estate cash flows/project analysis on an accurate and timely basis. This duty is performed daily about 20 of the time.
3. Create credit memos and annual reviews as defined in current department procedures. This duty is performed as needed about 35 of the time.
4. Attend loan committee meetings when directed by management. This duty is performed daily about 10 of the time.
5. Provide guidance and assistance in mentoring Analyst I & II as directed by Regional Manager. This duty is performed weekly about 10 of the time.
6. Engage Analyst I or II to assist in tasks related to analysis of the credits or relationships and provide oversight of work product to ensure work product is accurate and delivered within necessary time frame to complete overall analysis. This duty is performed weekly about 5 of the time.
7. Act as back up the Regional Manager or other CA leader in the review of work product performed by other Analysts on the team. This duty is performed as needed.
8. The ability to work in a constant state of alertness and in a safe manner. This duty is performed daily.
9. Complete required BSA/AML training and other compliance training as assigned. This duty is performed quarterly.
10. Perform any other related duties as required or assigned.
QUALIFICATIONS
To perform this job successfully an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge skill and/or ability required.
EDUCATION AND EXPERIENCE
Broad knowledge of such fields as accounting marketing business administration finance etc. Equivalent to a four year college degree plus 7 years related experience and/or training and 4 years related management experience or equivalent combination of education and experience.
COMMUNICATION SKILLS
Ability to write reports business correspondence and policy/procedure manuals; ability to effectively present information and respond to questions from groups of managers clients customers and the general public. Ability to read analyze and understand common scientific and technical journals financial reports and legal documents; ability to respond to complex or difficult inquiries or complaints from customers regulatory agencies or members of the business community.
MATHEMATICAL SKILLS
Ability to work with mathematical concepts such as probability and statistical inference and fundamentals of plane algebra solid geometry and trigonometry.
CRITICAL THINKING SKILLS
Ability to define problems collect data establish facts and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
REQUIRED CERTIFICATES LICENSES REGISTRATIONS
Not indicated.
PREFERRED CERTIFICATES LICENSES REGISTRATIONS
Not indicated.
SOFTWARE SKILLS REQUIRED
Advanced: 10Key Accounting Spreadsheet Word Processing/Typing
Intermediate: Alphanumeric Data Entry
Basic: Human Resources Systems Presentation/PowerPoint
RESPONSIBILITY FOR WORK OF OTHERS
Carries out supervisory responsibilities in accordance with the organizations policies and applicable laws. Responsibilities may include but not limited to interviewing hiring and training employees; planning assigning and directing work; appraising performance rewarding and disciplining employees; addressing complaints and resolving problems.
Supervises a small group 37 of employees usually of lower classifications. Assigns and checks work; assists and instructs as required and performs same work as those supervised or closely related work a portion of the time. Content of the work supervised is of nontechnical nature but presents numerous situations to which policies and precedents must be interpreted and applied.
Supervises the following departments: Credit Analysts and Underwriters
WORKING CONDITIONS
Periodically exposed to such elements as noise intermittent standing walking pushing carrying or lifting; but none are present to the extent of being disagreeable.
ENVIRONMENTAL CONDITIONS
The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
PHYSICAL ACTIVITIES
The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.
Semirepetitive low physical. Semirepetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks.
While performing the functions of this job the employee is frequently required to sit use hands to finger handle or feel talk or hear; and occasionally required to stand walk reach with hands and arms stoop kneel crouch or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.
ADDITIONAL INFORMATION
Seven 7 or more years of related experience and/or training
Analytically minded and possess good judgment.
Ability to mentor others or delegate and oversee quality and accuracy of work product given to others
Proficient in Microsoft Word and Excel.
Required Experience:
Senior IC
Employment Type
Full-Time
