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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in financial analysis, credit risk assessment, and the preparation of financial projection models. Proficient in conducting industry research and providing analytical support to lending functions while ensuring compliance with regulatory requirements.
Highest-signal resume keywords
Financial AnalysisCredit Risk AssessmentThree-Statement Financial Projection ModellingRegulatory ComplianceAnalytical Support
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 Analysis TechniquesThree-Statement Financial Projection ModellingUnderwriting AnalysisCredit Risk AssessmentFinancial Statement AnalysisPerformance MeasurementOperational Performance StandardsCredit File MaintenanceAnalytical SupportResearch Skills
Soft Skills
Strong Oral Communication SkillsStrong Written Communication SkillsInterpersonal SkillsTeam OrientationAbility to Meet Deadlines
Tools & Technologies
Word Processing SoftwareSpreadsheet SoftwareStandard Office Equipment
Industry Keywords
LendingCredit FunctionsBorrower AnalysisCompliance MonitoringCommercial Loan Policy
About the role
Key responsibilities & impact- Conduct in-depth industry and financial analysis of existing and potential borrowers
- Prepare sophisticated three-statement financial projection models
- Support the Lending and Credit functions of the Bank
- Research industry-specific information from borrowers, publications, libraries, other banks, credit agencies, and the Internet
- Participate in Customer meetings and make direct inquiries for specific Customer information
- Perform underwriting analysis of borrowers’ character, creditworthiness, and financial condition
- Provide analytical support to the lending function
- Prepare approval memorandums for presentation to lending and credit authorities
- Analyze financial statements, management profiles, business and product cycles, cash flow ability, collateral, and agings
- Identify trends, measure performance, assess financial strength, and develop credit risk assessments
- Maintain credit files and monitor updated financial statements
- Prepare updated analysis memos
- Monitor compliance with regulatory requirements
- Identify deviations from the Company Commercial Loan Policy
- Become familiar with alternative structures to reduce credit risk
- Achieve operational performance standards for quality and timeliness
- Work under review and monitoring by lead staff
Requirements
What you’ll need- 4 year degree or equivalent experience
- 1+ years related experience preferred
- Basic knowledge of credit and financial analysis techniques
- Familiarity with 3 statement financial projection modelling
- Strong oral and written communication skills
- Strong analytical and research skills
- Developed PC skills, including proficiency and capability in word processing and spreadsheet software
- Ability to meet deadlines
- Ability to maintain confidentiality of credit and Customer information
- Good interpersonal skills and team orientation
- Ability to perform basic financial analysis of less complex loans, industries, and Customers
- Occasional domestic travel may be required
- Ability to perform sedentary work and sit continuously
- Ability to perform multiple tasks continuously
- Ability to operate standard office equipment continuously
- Ability to read, write, and comprehend instructions
- Ability to add, subtract, multiply, and divide
- Ability to concentrate for long periods of time
Benefits
Comp & perks- Health and well-being benefits
- Savings and retirement programs
- Paid time off, including Vacation PTO, Flex PTO, and Holiday PTO
- Banking benefits and discounts
- Career development
- Reward and recognition
- Regular career, development, and performance conversations
- Online learning platform
- Mentoring programs
- Training and onboarding sessions
- Variable compensation/incentive awards, including eligibility for cash and/or equity incentive awards
- Competitive benefits plan