Credit Analyst - CBG

A corporate banking analyst primarily supports the relationship managers within a corporate banking division by conducting in-depth financial analysis of corporate clients, assessing credit risks, preparing credit packages, monitoring existing loans, and assisting in the acquisition and retention of clients, essentially playing a crucial role in managing the bank's exposure to corporate borrowers while facilitating new business opportunities.

Loan Processing:

Collect necessary documents from clients and maintain well organized credit files. Spread financial statements or tax returns to generate relevant ratios including DCRs under the supervision of a portfolio manager. Assist in loan closing and funding including obtaining signatures on loan documents according to the Bank's procedures. Prepare credit memos that are simple or with minor complexity; and present credit memos to appropriate lending authority for approval. Collect necessary documents from clients and maintain well organized credit files. Spread financial statements or tax returns to generate relevant ratios including DCRs under the supervision of a portfolio manager. Assist in loan closing and funding including obtaining signatures on loan documents according to the Bank's procedures. Prepare credit memos that are simple or with minor complexity; and present credit memos to appropriate lending authority for approval.

Loan Maintenance/Monitoring:

Monitor loan covenants and conditions per loan agreements and report violations to portfolio managers or relationship managers. Prepare simple credit memos to report covenant/condition violations and to approve modifications and to make cash secured loans. Process daily line advances for lines of credit and follow up on expired insurance policies. Prepare various internal reports and payments such as LAR, monthly G/L certification, and invoices. Conduct site visits and on-site interviews under the supervision of a portfolio manager. Monitor loan covenants and conditions per loan agreements and report violations to portfolio managers or relationship managers. Prepare simple credit memos to report covenant/condition violations and to approve modifications and to make cash secured loans. Process daily line advances for lines of credit and follow up on expired insurance policies. Prepare various internal reports and payments such as LAR, monthly G/L certification, and invoices. Conduct site visits and on-site interviews under the supervision of a portfolio manager.

Compliance:

Comply with regulatory requirements including Reg B, HMDA, Bank Secrecy Act, OFAC, and USA Patriot Act, CRA, Privacy, and Security. Comply with the Bank's security program, including but not limited to: Review and comply with the End-User Computing Agreement. Acquire good knowledge on functions and usage of computer systems as related to the assigned job functions. Be current and knowledgeable in industry's trend in safeguarding the Bank against confidential data leak, identity theft, fraudulent activities, and computer security threats. Reports suspicious activities to manager, Chief Risk Officer or Information Security Officer.

Other Responsibilities:

Provide administrative support to loan officers, portfolio managers, relationship managers. Seek opportunities to grow relationship with customers. Participate in community organizations and/or events to help the Bank meet its CRA Objectives. Assume additional duties as requested Keep abreast of industry changes, local economic, financial and legislative events which may have an impact on commercial lending activities. Analyze cash flow, liquidity, profitability, leverage and other financial ratios and be able to come to various conclusions, including evaluation of collateral and other relevant credit information. Prepare loan presentations that include all pertinent information associated with the overall risk of the loan, identifying the strengths and weaknesses of borrower's surrounding credits. Recommend or deny loan requests in conformance with banking regulations and Bank's loan policies and procedures. Gather documents to perfect the security interest in collateral, if applicable. Detect early warning signs of problem loans and immediate notification to a supervisor, Chief Credit Administrator, Loan Review, or Loan Servicing. Monitor loan covenants and conditions per loan agreement and report any violation to manager. Assist in loan closing and funding including obtaining signatures on loan documents according to the Bank's procedures. Analyze collateral values and insurance coverage. Collect loan accounts and overdraft information. Submit reports of calls made and document customer contact. Meet customers regularly and seek opportunities to grow relationship. Conduct site visits and on-site interviews under the supervision of a portfolio manager. Comply with regulatory requirements including but not limited to: Reg B, HMDA, Bank Secrecy Act, OFAC, and USA Patriot Act, CRA, Privacy, and Security. Comply with the Bank's security program, including but not limited to: Review and comply with the End-User Computing Agreement. Acquire good knowledge on functions and usage of computer systems as related to the assigned job functions. Be current and knowledgeable in industry's trend in safeguarding the Bank against confidential data leak, identity theft, fraudulent activities, and computer security threats. Reports suspicious activities to manager, Chief Risk Officer or Information Security Officer. Mentor junior lending staff. Occasional local travel is required, as may participate in client meetings with Relationship Managers. Participate in community organizations and/or events to help the Bank meet its CRA Objectives. All other reasonable duties as assigned. Comply with regulatory requirements including Reg B, HMDA, Bank Secrecy Act, OFAC, and USA Patriot Act, CRA, Privacy, and Security. Comply with the Bank's security program, including but not limited to: Review and comply with the End-User Computing Agreement. Acquire good knowledge on functions and usage of computer systems as related to the assigned job functions. Be current and knowledgeable in industry's trend in safeguarding the Bank against confidential data leak, identity theft, fraudulent activities, and computer security threats. Reports suspicious activities to manager, Chief Risk Officer or Information Security Officer. Provide administrative support to loan officers, portfolio managers, relationship managers. Seek opportunities to grow relationship with customers. Participate in community organizations and/or events to help the Bank meet its CRA Objectives. Assume additional duties as requested Review and comply with the End-User Computing Agreement. Acquire good knowledge on functions and usage of computer systems as related to the assigned job functions. Be current and knowledgeable in industry's trend in safeguarding the Bank against confidential data leak, identity theft, fraudulent activities, and computer security threats. Reports suspicious activities to manager, Chief Risk Officer or Information Security Officer. Job Qualifications/Requirements Education/Credentials Bachelor's degree in Accounting, Business Administration, Finance, or related equivalent experience Prior Experience 1-2 years of Experience Skills Proficient computer skills using Microsoft Word, Excel and Outlook. Self-motivated and self-disciplined, with the ability to work effectively with little supervision. Excellent organizational and time-management skills, and attention to detail. Strong decision-making, interpersonal and communication skills; including the ability to clearly understand complex concepts. Good analytical ability Good verbal and written communication skills. The salary range for this full-time position is $26.45 Hourly - $28.85 Hourly + bonus + benefits Salary ranges are determined based on qualifications, level, and location. Exact compensation may vary based on your skills and experience. Equal Opportunity Employer This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.