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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in credit analysis, financial statement assessment, and compliance with loan documentation. Capable of mentoring team members while providing exceptional service in line with banking policies and procedures.
Highest-signal resume keywords
Credit AnalysisFinancial Statement AssessmentLoan Documentation ComplianceMentoringProblem Solving
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Financial Ratios CalculationCredit MonitoringBalance Sheet AnalysisIncome Statement AnalysisCash Flow Statement AnalysisPost-Booking ReviewsBorrowing Base Certificate ReviewMoody’s Credit ModulesTrend AnalysisAd Hoc Reporting
Soft Skills
Oral CommunicationWritten CommunicationInterpersonal SkillsAttention to DetailTime Management
Tools & Technologies
NCinoJack HenryMicrosoft Office
Industry Keywords
Financial ServicesCredit AdministrationLoan DocumentsCovenant TrackingConfidentiality
About the role
Key responsibilities & impact- Calculate financial ratios and monitor borrower covenants for compliance with loan documents
- Communicate borrower performance and trend analysis to appropriate parties
- Complete post-booking reviews on commercial loans for accuracy of loan documents and internal covenant tracking
- Analyze and assess financial statements and credit history of existing and potential clients
- Support Credit Administration special projects
- Prepare ad hoc reports
- Provide backup assistance during peak volume periods, including reviewing Borrowing Base Certificates and financial statements
- Mentor less experienced Credit Monitoring Analysts
- Complete assigned Moody’s Credit Modules
- Maintain confidentiality of all information
- Provide extraordinary service while complying with Bank policies and procedures
Requirements
What you’ll need- Bachelor’s degree in Finance, accounting or business
- Minimum 2 years of experience with credit loan documents and credit monitoring experience in the financial services industry
- Intermediate understanding of credit analysis and financial statements
- Full understanding of balance sheets, income statements and cash flow statements
- Full understanding of loan and collateral documents, including attorney prepared documentation
- Strong oral, written and interpersonal communication skills
- Strong problem solving and analytical skills
- Ability to read and comprehend credit write-ups and loan documentation
- Ability to prioritize workflow, multi-task and work independently
- Ability to perform duties under frequent time pressures with a high degree of accuracy and attention to detail
- Experience in nCino and Jack Henry preferred, but not required
- Knowledge of Microsoft Office
- Reliable and predictable attendance, both onsite and remote
- Ability to comply with credit administration policies and procedures, laws, regulations and industry best practices
Benefits
Comp & perks- Bonus or incentives based on company and individual performance may be available
- 401(k) match
- Profit sharing
- Employee stock purchase plan
- Paid time off
- Medical insurance
- Dental insurance
- Vision insurance
- Company-paid life insurance
- Long-term disability insurance
- Supplemental voluntary life insurance
- Short-term disability insurance
- Wellness incentives
- Employee assistance program
- Pre-tax health savings accounts
- Flexible spending accounts