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About The Position
Responsible for credit underwriting, monitoring, and portfolio management of Commercial Banking relationships to ensure strong credit quality and achieve efficient internal processes to retain and expand client relationships.
Primary performance responsibilities include analyzing financial data to determine the merits of loan requests, monitoring the performance of existing client relationships, and assist in the management and organization of the loan portfolio.
Requirements
- Bachelor’s degree (business concentration preferred)
- Proficient with Microsoft Word, Excel, Power Point as well as some form of
financial spreading software - Has 2-3 years of banking experience, primarily related to credit
analysis/underwriting - Demonstrates strong written and analytical skills
- Has strong understanding of credit policy and procedures and is able to
accurately evaluate both cash-flow and collateral-based credits - Ability to make appropriate judgments and decisions with limited guidance
- Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
- Excellent planning and organizational skills, including the ability to work independently on projects of high complexity with minimal supervision
- Strong public speaking and presentation skills
- Excellent written and verbal communications skills
- Ability to maintain confidentiality and instill trust within the organization
- Proficient in Microsoft Word, Excel, and PowerPoint ability to multitask is essential
Responsibilities
- Assist with due diligence/analysis of new client relationships and opportunity memos as appropriate.
- Manage the renewal process by working with the Relationship Manager, the client, & the credit
department. - Assist in the preparation of loan packages, make presentations, and participate in the bank’s loan
approval process. - Manage the process for approving and closing modifications/amendments/waivers to existing credit
agreements. - Assist Relationship Manager in coordinating the loan closing process for new and existing loan
relationships (i.e. working with both outside counsel and internal document preparation groups, reviewing
loan documents, closing loans with clients). - Assist and joins Relationship Manager in business development calling efforts.
- Perform other administrative duties required for the maintenance the loan portfolio (i.e. exception
tracking, financial reporting and covenant compliance). - Manage and oversee small loan/deposit portfolios.
- Ensure the portfolio administration and risk management of each client relationship follows the
established credit policy, procedure, and business strategy as well as regulatory guidelines. - Perform annual loan reviews as needed.
- Partner with the Relationship Manager as a point of a contact for existing and prospective clients; acting
as a liaison to the Credit Department, the Commercial support staff and other internal business partners. - Monitor loan repayment activities and financial condition of borrowing clients and take necessary action to
collect past due accounts. - Agreeable to work overtime as needed based on work assigned in order to meet deadlines provided.
- Participates in community and business functions/groups to ensure a positive image for the bank within
the region’s marketplace. - Perform other duties and special projects as needed.
