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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 and credit risk assessment, with a strong ability to prepare analytical reports and recommendations for lending decisions. Proficient in maintaining compliance with regulatory requirements and managing customer information confidentiality.
Highest-signal resume keywords
Financial AnalysisCredit Risk AssessmentRegulatory ComplianceAnalytical ReportingCustomer Relationship Management
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit Analysis TechniquesFinancial Statement AnalysisData ConsolidationUnderwriting AnalysisCash Flow AnalysisCreditworthiness EvaluationLoan Policy ComplianceOperational Performance StandardsResearch SkillsMultitasking
Soft Skills
Strong Oral CommunicationStrong Written CommunicationInterpersonal SkillsTeam OrientationAbility to Meet Deadlines
Tools & Technologies
Word Processing SoftwareSpreadsheet SoftwareStandard Office Equipment
Industry Keywords
LendingCredit FunctionsBorrower AnalysisFinancial ConditionCustomer MeetingsApproval MemorandumsCredit FilesConfidentialityOperational StandardsDomestic 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
- Perform financial analysis of moderately complex loans, industries, and Customers
- Research industry-specific information using borrowers, publications, libraries, banks, credit agencies, and the Internet
- Participate in Customer meetings and make direct inquiries for specific 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 ability, collateral, and agings to assess credit risk
- Prepare written analyses with recommendations for approval, denial, or alternative structures
- Maintain credit files and monitor updated financial statements
- Monitor compliance with regulatory requirements
- Identify deviations from Company Commercial Loan Policy and evaluate alternative structures to reduce credit risk
- Meet operational performance standards for quality and timeliness
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 multitask and meet deadlines
- Ability to maintain confidentiality of credit and Customer information
- Good interpersonal skills and team orientation
- Occasional domestic travel
- Ability to perform sedentary work, multiple tasks, operate standard office equipment, 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