What are the responsibilities and job description for the Senior Credit Analyst position at NPAworldwide?
Job Description
Salary Min : $ 80000
Salary Max : $ 90000
Currency Type : USD
- Underwrite new commercial loan requests and renewals, including the bank's most complex requests.
- Perform annual financial reviews of existing commercial relationships.
- Work collaboratively with Commercial Loan Officers and the credit department leadership to ensure that credit risks are properly identified and presented to credit approvers and loan committees.
- Ensure that all exceptions to the bank's lending policy are noted and the proper level of approval is achieved.
- Provide leadership and training to credit analysts for career advancement and enhanced independence.
- Develop advancing portfolio analytics including concentrations, HLTV, policy tracking, and portfolio stress testing.
- Maintain strong understanding of the bank's lending policy and interagency regulations.
- Perform reviews of appraisals and real estate evaluations.
- Monitor and test loan covenants for existing credit relationships.
- Assist with monthly and quarterly reporting reviewed by senior leadership and the Board of Directors.
- Bachelor's degree or equivalent education and experience.
- 5 years of commercial credit experience within a bank environment.
- Specialized formal credit training preferred.
- Ability to analyze and communicate key points impacting borrower's ability to repay.
- Capability to gather, summarize, and interpret information from other business units.
- Advanced computer literacy including spreadsheets, word processing, database management.
- Ability to maintain constructive working relationships.
- Bachelors Degree in Accounting, Finance, Business or equivalent banking/work experience.
- Minimum of 5 years of financial analysis.
- Excellent communication and presentation skills; team orientation.
- Familiarity with PC-based and banking software programs; financial analysis software is a plus.
- Knowledge of small business and consumer loan policy, federal banking regulations, credit granting criteria, interest rates and required documentation.
- Underwrite new commercial loan requests and renewals, including the bank's most complex requests.
- Perform annual financial reviews of existing commercial relationships.
- Work collaboratively with Commercial Loan Officers and the credit department leadership to ensure that credit risks are properly identified and presented to credit approvers and loan committees.
- Ensure that all exceptions to the bank's lending policy are noted and the proper level of approval is achieved.
- Provide leadership and training to credit analysts for career advancement and enhanced independence.
- Develop advancing portfolio analytics including concentrations, HLTV, policy tracking, and portfolio stress testing.
- Maintain strong understanding of the bank's lending policy and interagency regulations.
- Perform reviews of appraisals and real estate evaluations.
- Monitor and test loan covenants for existing credit relationships.
- Assist with monthly and quarterly reporting reviewed by senior leadership and the Board of Directors.
Salary Min : $ 80000
Salary Max : $ 90000
Currency Type : USD
Salary : $80,000 - $90,000