The job is looking to solve the problem of preparing financial analysis for loans within the Corporate and CRE portfolio, ensuring credit quality is maintained, and assessing the viability of repayment sources.
Requirements
- 0-2 years as a credit analyst required
- Involved in the analysis of complex credits in both corporate lending and commercial real estate, in order to progress to the next Credit Product Analyst level required
- Must have good accounting skills developed through formal college undergraduate courses (through intermediate accounting) or through acceptable alternative means such as AIB
- Have demonstrated good credit judgment
Responsibilities
- Prepares spreads and other preliminary financial analysis.
- Supports in renewal and annual reviews of existing loans in the Corporate and CRE portfolio.
- Ensures credit quality is maintained through identification of key risk factors associated with each loan and determines if those factors are mitigated.
- Analyzes the viability of the repayment sources.
- Assesses the appropriateness of the current loan grade.
- Reviews the prior and conditional approval and all loan documents to ensure the borrowers' compliance with the terms of the loan.
- Prepares credit analysis reports with complexity being comparable to their level of experience from simple transactions (for CPA I) to the largest and most complex lending relationships in the bank (for CPA III).
Other
- Works closely with the managers and officers of the supported line of business production units (Corporate Lending, Specialty Lending, Commercial Lending, CRE, Bridge Funding, etc.) to determine on-going priorities for loans under analysis.
- Maintains an up to date pipeline which details the status of all loans under analysis.
- Ensures compliance with Sarbanes-Oxley related matters.
- Participates in, and may have leadership roles in, ad hoc project assignments as made by the Director of Credit Products, Senior Credit Products Manager, or Credit Products Manager.
- Adheres to and complies with applicable, federal and state laws, regulations and guidance, including those related to anti-money laundering (i.e. Bank Secrecy Act, US PATRIOT Act, etc.).
