Grasshopper Bank

Financial Planning and Analysis

• Execute end-to-end financial and data analytics for loan, deposit, and investment portfolios
• Build and maintain operational, financial, and compliance reporting
• Synthesize key findings and prepare executive- and Board-level reporting packages
• Design, build, and automate operational dashboards
• Streamline corporate reporting workflows and eliminate manual data processing
• Perform financial modeling, yield analyses, and scenario testing across investment and lending portfolios
• Evaluate capital deployment and profitability strategies
• Maintain core financial planning models and execute quarterly reforecasting
• Generate reliable operational projections
• Support the annual budget cycle with trend analysis models, variance reports, and baseline templates
• Analyze account origination, pricing structures, funds transfer pricing (FTP), and product-level margins for loan and deposit portfolios

Senior Financial Analyst

Underwriter

• Manage the timely execution of underwriting and portfolio management processes throughout the Bank’s Commercial portfolio
• Work with the Chief Credit Officer to manage aggregate risk in the Bank’s loan portfolio
• Ensure commercial credit and collection policies, processes and procedures mitigate portfolio risks
• Coordinate the management and workout of problem credits
• Recommend strategies, lending objectives and the overall direction and operations of Commercial underwriting
• Interface with the CCO and Deputy CCO to meet loan quality, risk rating and reporting goals
• Meet compliance targets for annual reviews, risk ratings, covenant compliance and collateral monitoring
• Approve credit requests within delegated approval authority, including new business, modifications and renewals
• Build and coach the portfolio management and underwriting team; lead underwriters and portfolio managers
• Partner with the executive team and finance on budgeting, expense control, performance goals and market trend analysis
• Examine files for credit and collateral documentation, regulatory compliance and loan policy conformance
• Prepare written analyses on large loans, aggregate lending versus borrower indebtedness, complex loans and weak loans
• Identify problem loans and loans meeting non-accrual or charge-off criteria
• Review customer financial statements, discounted cash flows, capital rate analyses and internal asset reviews

Head of Commercial Underwriting

Loan Closer

• Review approved Credit Memoranda and identify documentation required for loan closing
• Collect and review documentation for accuracy and compliance with closing and funding conditions
• Order appraisals, environmental reports, and credit reports
• Build complete credit and closing files with Credit Associates, Relationship Managers, and third parties
• Manage pre-closing due diligence, including appraisals/vessel surveys, property surveys, environmental reports, title searches, insurance coverage, UCC searches, invoice accuracy, bills of sale, equity injection verification, and liquidity verification
• Prepare and/or review loan closing documents for accuracy and policy compliance
• Coordinate with closing attorneys, referring brokers, and Loan Operations to facilitate closing and disbursement of loan proceeds
• Assist credit and compliance departments with loan portfolio servicing and maintenance of lending files
• Clear loan exceptions, deficiencies, and loan review findings
• Monitor insurance policies, financial reports, and other required reporting documents
• Comply with bank policies, procedures, and BSA/AML/OFAC regulations and guidelines
• Assist with clearing outstanding loan documents, post-closing items, and loan exceptions
• Coordinate subsequent loan advances according to loan documentation and approvals

Senior Commercial Loan Closer

Associate

• Serve as the credit specialist for Relationship Managers to drive loan growth across the bank's loan products
• Recommend appropriate credit structures while maintaining the bank's credit risk profile
• Review and analyze prospective client performance and debt needs
• Coordinate with the credit team to assess the credit strength of new debt opportunities
• Build relationships with prospective borrowers, Relationship Managers, existing clients, and internal and external constituents
• Monitor existing borrower performance and identify deviations from agreed-upon covenants
• Proactively raise credit concerns to Relationship Managers to mitigate credit risk
• Conduct financial and collateral analysis for new and existing borrowers
• Perform historical trend analysis and financial forecasting
• Test financial covenants and other risk assessments under Loan & Security Agreements
• Use bank loan systems to enter financial information, prepare analyses, and produce management reports and summaries
• Communicate with clients, Relationship Managers, and bank leadership to resolve loan issues and questions
• Assist Relationship Managers with covenant reporting information and payment collection

Senior Financial Analyst

Head of Commercial Underwriting

Senior Commercial Loan Closer

Credit Associate, Fund & Sponsor Banking