What are the responsibilities and job description for the Sr. Credit Analyst/Credit Analyst position at Triad Financial Services, Inc.?
Triad Financial Services is a leading provider of financial services and solutions, serving clients worldwide. We are seeking a highly motivated and skilled Credit Analyst or Senior Credit Analyst to join our growing team.
Essential Functions:
Essential Functions:
- Experience in commercial credit analysis and documentation of commercial credit lines
- Strong analytical skills and knowledge of commercial finance transactions
- Gather required documents and additional information needed to process and review new loan
- applications, request for existing accounts, and handle annual renewals.
- Spread and analyze business financial statements, tax returns and other supporting documents used in
- providing credit recommendations.
- Work with Credit Manager, Account Manager, VP and CCO of Commercial Credit team.
- Complete Legal Documents required for approved Retailer Credit Lines
- Collect all conditions of Approval from Retailer
- Bachelor’s degree in finance or accounting preferred
- Recent college graduate looking for entry level position in a growing company
- Some prior work experience in financial services industry preferred but not required
- Familiarity with concepts, procedures and processes typically used in finance
- Quick learner of the proprietary computer system used to manage and underwrite the accounts
- Preparation or ability to review documents and reports using Microsoft Office based products
- Good organizational, clerical, numeric, oral and written language skills
- Knowledge of customer service principles and practices
- E xperience in commercial underwriting for a Regional or National Bank (2 years);
- Versed in Commercial Real Estate underwriting (preferred, not required)
- Experienced in underwriting deals in excess of $1,000,000
- Expected to be able to calculate DSCR, Liquidity, Working Capital, Leverage, LTV based on financial statements
- Familiarity with corporate tax return analysis
- Capable of creative writing/narrative building to relay the request, risk assessment, and analysis to approval committee
- Commercial Underwriting experience
- Ability to safely and successfully perform the essential job functions consistent with the ADA, FMLA and other federal, state and local standards, including meeting qualitative and/or quantitative productivity standards.
- Ability to maintain regular, punctual attendance consistent with the ADA, FMLA and other federal, state and local standards
- Must be able to talk, listen and speak clearly on telephone
- Able to sit at a work station for prolonged periods of time
Salary : $60,000 - $80,000