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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 understanding of loan risk factors and the ability to independently analyze and summarize data for commercial credit relationships. Proficient in preparing analytical reports and recommendations while maintaining compliance with regulatory requirements.
Highest-signal resume keywords
Credit And Financial AnalysisLoan Risk AssessmentData Analysis And SummarizationRegulatory Compliance MonitoringTeam Leadership And Mentoring
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 AnalysisCredit-Risk AssessmentTrend IdentificationPerformance MeasurementApproval Memorandum PreparationCommercial Loan Policy KnowledgeResearch And Analytical SkillsTime ManagementConfidentiality Maintenance
Soft Skills
Excellent Written CommunicationExcellent Oral CommunicationInterpersonal SkillsTeam OrientationCoaching And Training
Tools & Technologies
Word Processing SoftwareSpreadsheet Software
Industry Keywords
LendingCredit FunctionsBorrower AnalysisCustomer MeetingsOperational Performance Standards
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 external sources
- 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 lending and credit authorities
- Analyze financial statements, management profiles, business and product cycles, cash flow, collateral, and aging data
- Identify trends, measure performance, assess financial strength, and develop credit-risk assessments
- Prepare written analyses with recommendations for approval, denial, or alternative structures
- Maintain credit files and monitor updated financial statements and analysis memorandums
- Monitor compliance with regulatory requirements
- Identify deviations from 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 for commercial credit relationships
- Ability to identify and quantify business risks and key drivers of risk
- Effective time management skills
- Excellent written and oral communication skills
- Well developed research and analytical skills
- Ability to defend analytical decisions at all levels of conversation
- 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 availability
- Ability to perform sedentary work, operate standard office equipment, sit, concentrate for long periods, read and comprehend instructions, and perform basic arithmetic continuously
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