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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in credit and financial analysis, with a strong ability to independently assess borrower creditworthiness and provide actionable recommendations. Proficient in maintaining compliance with regulatory requirements and mentoring junior analysts in analytical techniques.
Highest-signal resume keywords
Credit And Financial AnalysisLoan Risk FactorsAnalytical Decision-MakingResearch And Analytical SkillsMentoring And Coaching
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 Statement AnalysisUnderwriting AnalysisData ConsolidationRisk IdentificationCredit Policy Compliance
Soft Skills
Effective Time ManagementExcellent Written CommunicationExcellent Oral CommunicationInterpersonal SkillsTeam Orientation
Tools & Technologies
Word Processing SoftwareSpreadsheet Software
Industry Keywords
Commercial Credit RelationshipsOperational Performance StandardsCredit Risk ReductionCustomer Information ConfidentialityDomestic Travel
About the role
Key responsibilities & impact- Conduct in-depth industry and financial analysis of existing and potential borrowers
- Support Lending and Credit functions of the Bank
- Handle complex loans, industries and Customers independently
- 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 timely approval memorandums for lending and credit authorities
- Analyze financial statements, management profiles, business and product cycles, cash flow ability, collateral and agings
- Prepare written analyses with recommendations for approval, denial or alternative structures
- Maintain credit files and monitor updated financial statements
- Prepare updated analysis memorandums
- Monitor compliance with regulatory requirements
- Identify deviations from Company Commercial Loan Policy and recommend alternative structures to reduce credit risk
- Meet operational performance standards for quality and timeliness
- May train, mentor and coach junior analysts
Requirements
What you’ll need- 4 year degree or equivalent experience
- 3+ years related experience required
- Knowledge of credit and financial analysis techniques
- Strong understanding of loan risk factors
- Ability to independently gather, consolidate, analyze and summarize data to provide recommendations for commercial credit relationships
- Ability to identify and quantify business risks and key risk drivers
- Effective time management skills
- Excellent written and oral communication skills
- Well developed research and analytical skills
- Ability to defend analytical decisions in conversations at all levels
- PC skills, including proficiency in word processing and spreadsheet software
- Ability to maintain confidentiality of credit and Customer information
- Excellent interpersonal skills and a team orientation
- Ability to coach, train and lead junior staff in credit and financial analysis techniques
- Occasional domestic travel
- Ability to perform sedentary work continuously and operate standard office equipment continuously
Benefits
Comp & perks- Variable compensation/incentive awards, including eligibility for cash and/or equity incentive awards
- 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