BankUnited is looking to solve the problem of providing complete and accurate credit analyses in a timely manner to meet internal business partners' needs, customer expectations, regulatory requirements, and leading industry practices.
Requirements
- Moody's Risk Origins (C&I) or Excel based sizing templates (CRE)
- MS Word
- e-CAM (electronic approval memorandum) system
- Accounting skills developed through formal college undergraduate courses (through intermediate accounting) or through acceptable alternative means such as AIB
- Knowledge of credit analysis and underwriting
- Knowledge of financial statements and accounting principles
- Knowledge of regulatory requirements and industry practices
- Experience with credit software and systems
Responsibilities
- Determine Risk Ratings - Confirm the Industry Risk Rating (IRR) and Hold Limits as well as determine Borrower's Risk Rating (BRR) using the tools / matrices provided by the bank.
- Prepare spreads in Moody's Risk Origins (C&I) or Excel based sizing templates (CRE) to aid Relationship Manager and Line Management in determining whether to move forward with a request.
- Perform borrower financial analysis - Review and analyze borrower financial information including: corporate financial statements, tax returns, and accounts payable and accounts receivable aging to determine borrower financial condition and develop cash flow analysis.
- Perform guarantor financial analysis - Review and analyze personal financial information for guarantors including personal financial statements, tax returns, real estate owned schedules, and liquidity statements to determine financial strength of guarantor.
- Review and analyze all 3rd party reports - Obtain all 3rd party reports and include findings in analysis of financial condition of borrower or guarantor.
- Identify and mitigate risks - Work with Relationship Manager to identify and mitigate all risks and disclose in the credit approval memorandum.
- Collaborate in credit structuring - Work with the Relationship Manager to structure credit requests that serve the best interest of the customer and bank.
Other
- Bachelor's Degree 4 year college degree in business related field, or other acceptable alternative field required
- 4-6 Years of credit experience required
- Must have good communication and interpersonal skills
- Must be able to work in a team environment
- Must be able to identify and report suspicious activity
- Adheres to and complies with applicable, federal and state laws, regulations and guidance
