Credit Analyst (I-III)
Brickell, FL
Full Time
Mid Level
Credit Analyst (I-III)
Hybrid position in Brickell.
The Credit Analyst prepares credit analyses and underwrites commercial, international and consumer transactions as outlined below.
ESSENTIAL DUTIES AND RESPONSIBILITIES
● Spread financial statements in order to pre-screen the viability of the credit proposal
● Examines accounting methods and scrutinizes financial statement and accompanying information
● Prepare credit presentations which include the following: identify and mitigate risk, identify sources of repayment, sensitivity analysis, industry data and project analysis
● Pull credit reports, OFAC and background checks to evaluate and examine credit references for consistency with information provided
● Analyzes borrower’s business methods of operations, operational environment, financial condition and operating performance to determine borrower’s ability to pay on loans
● Requests specific information and discusses or resolves issues pertaining to borrower’s business, financial status and credit risk
● Confers with Credit Manager in order to resolve problems with application or missing information
● Performs credit underwriting, assess credit risk, complies with the Bank’s Credit Policy and issues recommendations about credit proposals to be reviewed by the Credit Manager
● Performs credit analyses for annual reviews and credit renewals as required
● Conducts follow-up of borrowers’ financial situations with authorized credit facilities
● Assures financial covenants of each transaction are carried out as approved
● Maintains continuous efforts to supervise problem credits
● Attends to administrative functions of the credit Committee (agenda, minutes and board letters) when needed ● Signs and authorizes credit/trade references when needed
● Participates in special projects related to the bank’s loan portfolio, such as but not limited to legal lending limit log, Allowances for Loan Losses, etc.
● Full knowledge and understanding of bank policies, procedures, regulatory and compliance requirements, including but not limited to BSA/AML, CDD, EDD, and others as defined by the Compliance Division and Information Security Division
● Attend and/or complete all required training as assigned
● Ensure compliance with all applicable laws, regulations and policies
ADDITIONAL DUTIES AND RESPONSIBILITIES
● Assist colleagues with projects or tasks when needed
● Communicate effectively with other Departments
● Perform other related duties as required to accomplish the objectives of the position
EDUCATION AND/OR EXPERIENCE
Bachelor's degree (B.A) from qualified college or university; and five years related experience and/or training; or equivalent combination of education and experience.
OTHER SKILLS/QUALIFICATIONS
● Ability to effectively present information and respond to questions from directors, managers, clients (both internal and external) and the general public
● Excellent ability to communicate in English, verbally and in writing; Portuguese and Spanish highly recommended, and in some departments required
● Excellent proficiency in various computer software and banking applications
● In depth knowledge of all bank policies, procedures and compliance requirements
● Knowledge of accounting and financial analyses
● Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
● Ability to ensure confidentiality, security and safekeeping of bank and customer information
● Strong analytical and organizational skills with attention to detail and accuracy
● Displays original thinking and creativity; self-starter; generates suggestions for improving work.
● Treats others with respect and consideration regardless of their status or position.
● Is consistently at work and on time; Ensures work responsibilities are covered when absent
● Takes responsibility for own actions; Commits to long hours of work when necessary to reach goals; ability to multitask
● Must be accustomed to a professional, business office environment in manner and dress.
● Must demonstrate excellent human relations skills with customers and bank associates.
● Must be willing to participate as a team member and eager to tackle new assignments.
Hybrid position in Brickell.
The Credit Analyst prepares credit analyses and underwrites commercial, international and consumer transactions as outlined below.
ESSENTIAL DUTIES AND RESPONSIBILITIES
● Spread financial statements in order to pre-screen the viability of the credit proposal
● Examines accounting methods and scrutinizes financial statement and accompanying information
● Prepare credit presentations which include the following: identify and mitigate risk, identify sources of repayment, sensitivity analysis, industry data and project analysis
● Pull credit reports, OFAC and background checks to evaluate and examine credit references for consistency with information provided
● Analyzes borrower’s business methods of operations, operational environment, financial condition and operating performance to determine borrower’s ability to pay on loans
● Requests specific information and discusses or resolves issues pertaining to borrower’s business, financial status and credit risk
● Confers with Credit Manager in order to resolve problems with application or missing information
● Performs credit underwriting, assess credit risk, complies with the Bank’s Credit Policy and issues recommendations about credit proposals to be reviewed by the Credit Manager
● Performs credit analyses for annual reviews and credit renewals as required
● Conducts follow-up of borrowers’ financial situations with authorized credit facilities
● Assures financial covenants of each transaction are carried out as approved
● Maintains continuous efforts to supervise problem credits
● Attends to administrative functions of the credit Committee (agenda, minutes and board letters) when needed ● Signs and authorizes credit/trade references when needed
● Participates in special projects related to the bank’s loan portfolio, such as but not limited to legal lending limit log, Allowances for Loan Losses, etc.
● Full knowledge and understanding of bank policies, procedures, regulatory and compliance requirements, including but not limited to BSA/AML, CDD, EDD, and others as defined by the Compliance Division and Information Security Division
● Attend and/or complete all required training as assigned
● Ensure compliance with all applicable laws, regulations and policies
ADDITIONAL DUTIES AND RESPONSIBILITIES
● Assist colleagues with projects or tasks when needed
● Communicate effectively with other Departments
● Perform other related duties as required to accomplish the objectives of the position
EDUCATION AND/OR EXPERIENCE
Bachelor's degree (B.A) from qualified college or university; and five years related experience and/or training; or equivalent combination of education and experience.
OTHER SKILLS/QUALIFICATIONS
● Ability to effectively present information and respond to questions from directors, managers, clients (both internal and external) and the general public
● Excellent ability to communicate in English, verbally and in writing; Portuguese and Spanish highly recommended, and in some departments required
● Excellent proficiency in various computer software and banking applications
● In depth knowledge of all bank policies, procedures and compliance requirements
● Knowledge of accounting and financial analyses
● Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
● Ability to ensure confidentiality, security and safekeeping of bank and customer information
● Strong analytical and organizational skills with attention to detail and accuracy
● Displays original thinking and creativity; self-starter; generates suggestions for improving work.
● Treats others with respect and consideration regardless of their status or position.
● Is consistently at work and on time; Ensures work responsibilities are covered when absent
● Takes responsibility for own actions; Commits to long hours of work when necessary to reach goals; ability to multitask
● Must be accustomed to a professional, business office environment in manner and dress.
● Must demonstrate excellent human relations skills with customers and bank associates.
● Must be willing to participate as a team member and eager to tackle new assignments.
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