Credit Analyst Position Available In Miami-Dade, Florida

Company Overview BankMiami is a state-chartered, full-service community bank headquartered in Miami-Dade County. Our mission is to deliver exceptional banking services uniquely tailored to the needs of our clients. At BankMiami, we will provide a boutique concierge banking experience that exceeds expectations and empowers our clients to achieve their financial goals. We are more than just a bank – we are a trusted partner dedicated to the financial success and well-being of those we serve. Position Summary The Credit Analyst will be responsible for credit underwriting, credit analytics, and portfolio monitoring. Essential Duties and Responsibilities Conduct in-depth financial analysis of loan applications for commercial, consumer, and real estate loans. Analyze financial statements, tax returns, and other relevant information to assess borrower creditworthiness and risk. Develop and maintain strong relationships with loan officers, gathering necessary information and providing ongoing support throughout the loan process. Prepare comprehensive credit memoranda that clearly articulate the financial strength and risk profile of each loan applicant. Recommend loan approval or denial based on sound credit analysis and risk assessment. Work collaboratively with credit committee members to present loan proposals and address any questions or concerns. Stay current on evolving industry trends, regulatory changes, and lending guidelines. Participate in the development and implementation of new credit policies and procedures. Monitor existing loan portfolios and identify potential credit risks. Assist with loan portfolio analysis and reporting. Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and/or Experience Bachelor’s degree from a four (4) year college or university and one (1) to five (5) or more years of related bank-related consumer compliance experience and/or training; or the equivalent combination of education and experience. PC proficient, including MS Word and MS Excel. Language Skills Ability to read, analyze, and interpret laws and regulations. Ability to write reports and business correspondence. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. Excellent verbal and written communications skills in English. Spanish is a plus. Reasoning Ability Thorough understanding of management procedures; ability to plan department activities (setting objectives, developing strategies, budgeting, and developing policies and procedures); initiative to organize various functions necessary to accomplish department or Bank activities; Ability to deal with complex problems involving multiple facets and variables in non-standardized situations. Physical Demands The physical demands 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. While performing the duties of this job, the employee is regularly required to sit; use hands and fingers to grasp, type or other related tasks. The employee is occasionally required to stand and walk. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision for desk work and peripheral vision for security. Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is exposed to an office environment. Noise level is at normal office capacity. Benefits We offer our employees an appealing benefits package that will help you feel good about BankMiami as your employer and allow you to meet your personal needs. Eligible employees enjoy compensation packages that include paid holidays, personal time as well as the following: Medical Coverage Dental Coverage Vision Coverage Company-Paid Life Insurance/Long Term Disability/Short Term Disability 401(k) Retirement Plan Flexible Spending Accounts for Health and Dependent Care Tuition Assistance BankMiami is an Equal Opportunity Employer.