PAYRO is the only funding option designed for the realities of payrollWe offer cash-flow positive businesses fast, flexible, and most importantly low-cost funding — along with cutting-edge tools and integrations — to ensure they can cover payroll on-time, every time.We help businesses leverage their capital and grow

With PAYRO as a safety net, businesses are free to invest their cash reserves in business growth and take advantage of opportunities as they arise.

• Assist account officers with collecting/reviewing borrower’s financial information, credit reports and collateral verification information
• in order to underwrite basic conventional commercial and industrial loans and commercial real estate loans. Ensure that all required documentation is present, complete and appropriate to the credit request.
• Analyze and interpret profitability, cash flow, credit reports and financial ratios to determine if they meet guidelines for adequate repayment capacity.
• Evaluate and verify collateral.
• Analyze borrower's competitive and economic sensitivities, general business conditions, and management.
• Determine borrower credit worthiness/risk factors, and recommend risk mitigation measures.

Knowledge, Skills and Abilities:

• Knowledge of commercial credit products, concepts, processes, and functions.
• Knowledge of business management and planning tools, including financial statements and ratios, budgets, inventory and accounts receivable turnover.
• Effective math skills, including ratios, percentages, interest and amortization.
• Ability to analyze and interpret financial statements, business reports and legal documents.
• Knowledge of applicable federal/state banking regulations.
• Ability to adapt to changes and manage multiple priorities.
• Exceptional judgment, problem solving, and decision-making skills; aptitude for detail.
• Ability to review and critically evaluate information or data in order to identify areas of potential risk.
• Professional verbal and written communication skills; proficiency at speaking, reading and writing English.
• Proficiency with Microsoft Office Suite products.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, national origin, disability, or veteran's status.
Applicants with a disability or a disabled veteran may request a reasonable accommodation if he/she is unable or limited in his/her ability to access job openings or apply for a job on our website as a result of his/her disability. The applicant may request reasonable accommodations by contacting us at 317-661-1740.