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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 analyze borrower character, creditworthiness, and financial conditions. Proficient in preparing analytical reports and recommendations while ensuring compliance with regulatory requirements.
Highest-signal resume keywords
Credit AnalysisFinancial AnalysisUnderwriting SkillsRegulatory ComplianceAnalytical Reporting
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 AnalysisData ConsolidationCreditworthiness AssessmentLoan UnderwritingRisk AssessmentMathematical CalculationsIndustry ResearchApproval Memorandum PreparationCash Flow AnalysisCredit Policy Compliance
Soft Skills
Strong Communication SkillsInterpersonal SkillsTeam OrientationMulti-tasking AbilityConfidentiality Maintenance
Tools & Technologies
Word Processing SoftwareSpreadsheet SoftwareStandard Office Equipment
Industry Keywords
Commercial LendingCredit RiskFinancial InstitutionsBorrower AnalysisLoan Policy
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
- Underwrite commercial exposures within the Commercial Workout Department, including renewals, extensions, and occasional new money
- Analyze moderately complex loans, industries, and customers
- Research industry-specific information from external sources
- Participate in customer meetings and make direct inquiries for customer information
- Perform underwriting analysis of borrower 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, collateral, and aging data
- Prepare written analyses and recommendations for approval, denial, or alternative structures
- Maintain credit files and monitor updated financial statements and analysis memos
- Monitor compliance with regulatory requirements
- Identify deviations from Company Commercial Loan Policy and recommend alternative structures to reduce credit risk
- Meet operational quality and timeliness standards
Requirements
What you’ll need- 4 year degree or equivalent experience
- 2+ years related experience required
- Developed knowledge of credit and financial analysis techniques
- Ability to gather, consolidate, analyze and summarize data and provide recommendations independently
- Strong oral and written communication skills
- Strong analytical and research skills
- Developed PC skills, including proficiency in word processing and spreadsheet software
- Ability to multi-task and meet deadlines
- Ability to maintain confidentiality of credit and Customer information
- Good interpersonal skills and a team orientation
- Occasional domestic travel
- Ability to perform sedentary work, multiple tasks, operate standard office equipment, concentrate for long periods, comprehend instructions, and perform basic mathematical calculations
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