Credit Analyst & Commercial Underwriter

BANK OF BARTLETT•Bartlett, TN

1d•Onsite

About The Position

Role: Provide analytical and underwriting support for Commercial Underwriting team. Spread and analyze personal and business financial statements, including tax returns, of current and potential bank customers to determine financial capacity. Partner with Commercial Lending group to ensure proper application documentation for new credit proposals and renewals. Assist in evaluating loan requests, applying credit policy and procedures, identifying risk factors, and preparing high-quality analysis for presentation to management or committees. Essential Functions & Responsibilities: Spreads and analyzes credit data and financial statements of individuals and/or businesses to determine financial capacity of applicant involved in underwriting process. Use computer software to evaluate client financials and produce financial ratios. Compare historical data and financial ratios for trends in liquidity, revenues, profitability, including comparison to peer industry reports. Deliver meaningful, detailed credit analysis while providing efficient and timely service. Work with loan officers / assistants to identify and collect documents needed for efficient and timely approvals on new and existing credits. Compiles information, updates loan applications, and composes reports detailing analysis. Collaborates with lending staff to prioritize new credit requests, renewals, and reviews. Decision loans timely and within bank guidelines and recommends decisions on requests outside of loan authority. Communicate with the Retail staff in all phases of loans. Accurately spread and analyze financial statements, utilizing system software and spreadsheets to determine financial capacity of applicants. Conduct additional credit investigation and analysis, including obtaining business and consumer credit bureau reports. Ensure files meet compliance, applicable law and regulatory guidelines, including compliance regulations, and policies and procedures are appropriately applied. Maintains good working relationship with Business Banking Officers and Branch Managers. Perform other job related duties as assigned by management. Performance Measurements: 1.Deliver meaningful, reliable, and detailed credit analysis while providing efficient and timely service.2. Follow established processes and procedures to ensure application information is complete and actionable to allow for appropriate file analysis, documentation, and decision-making. 3. Must be able to understand, comprehend, and analyze financial data (Balance Sheets, Income Statements, Cash Flow Statements, Financial Ratios, etc.) and apply those skills as they pertain to the loan underwriting process. 4. Ensure applications on decisioning system follow applicable regulatory deadlines. 5. To report any backlogs or problems promptly to supervisor. 6. To ensure bank and governmental standards are met at all times, meeting lending policy and procedures, and maintaining compliance with applicable laws and regulations. 7. To maintain good rapport and provide friendly, professional, and accurate service and support to all customers and employees. 8. Maintain appropriate attendance and punctuality. 9. To complete all assigned training within the allotted time frame.10. To maintain the confidentiality of all information as directed in banking procedures.11. To comply with all state and federal regulations that are applicable to their specific job duties.12. Each position within the Company shares in the cross-selling of the Company's products and services. This job description does not constitute an employment agreement between the employer and employee. The job description is subject to change by the employer as the needs of the employer and requirements of the job change.

Requirements

Two to five years of similar or related experience.
Bachelors Degree with a concentration in Finance or Accounting.
Work involves much personal contact with others inside and/or outside the organization for the purpose of building relationships, problem-solving, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy, trust, and tact in communication.
Effective oral and written presentation skills
Must be capable of operating all types of relevant office equipment and skills, including computer, copy machine, adding machine, 10-key, internet, and telephone.
Knowledge and proficient use of relevant systems and applications, including Microsoft Windows, Office, Word and Excel, and host processing system, imaging program, and loan documentation and decisioning systems.
Ability to read, analyze and interpret the most complex documents, define problems, collect data, synthesize information, and draw valid conclusions.

Responsibilities

Spread and analyze personal and business financial statements, including tax returns, of current and potential bank customers to determine financial capacity.
Partner with Commercial Lending group to ensure proper application documentation for new credit proposals and renewals.
Assist in evaluating loan requests, applying credit policy and procedures, identifying risk factors, and preparing high-quality analysis for presentation to management or committees.
Spreads and analyzes credit data and financial statements of individuals and/or businesses to determine financial capacity of applicant involved in underwriting process.
Use computer software to evaluate client financials and produce financial ratios.
Compare historical data and financial ratios for trends in liquidity, revenues, profitability, including comparison to peer industry reports.
Deliver meaningful, detailed credit analysis while providing efficient and timely service.
Work with loan officers / assistants to identify and collect documents needed for efficient and timely approvals on new and existing credits.
Compiles information, updates loan applications, and composes reports detailing analysis.
Collaborates with lending staff to prioritize new credit requests, renewals, and reviews.
Decision loans timely and within bank guidelines and recommends decisions on requests outside of loan authority.
Communicate with the Retail staff in all phases of loans.
Accurately spread and analyze financial statements, utilizing system software and spreadsheets to determine financial capacity of applicants.
Conduct additional credit investigation and analysis, including obtaining business and consumer credit bureau reports.
Ensure files meet compliance, applicable law and regulatory guidelines, including compliance regulations, and policies and procedures are appropriately applied.
Maintains good working relationship with Business Banking Officers and Branch Managers.
Perform other job related duties as assigned by management.
Follow established processes and procedures to ensure application information is complete and actionable to allow for appropriate file analysis, documentation, and decision-making.
Must be able to understand, comprehend, and analyze financial data (Balance Sheets, Income Statements, Cash Flow Statements, Financial Ratios, etc.) and apply those skills as they pertain to the loan underwriting process.
Ensure applications on decisioning system follow applicable regulatory deadlines.
To report any backlogs or problems promptly to supervisor.
To ensure bank and governmental standards are met at all times, meeting lending policy and procedures, and maintaining compliance with applicable laws and regulations.
To maintain good rapport and provide friendly, professional, and accurate service and support to all customers and employees.
Maintain appropriate attendance and punctuality.
To complete all assigned training within the allotted time frame.
To maintain the confidentiality of all information as directed in banking procedures.
To comply with all state and federal regulations that are applicable to their specific job duties.
Each position within the Company shares in the cross-selling of the Company's products and services.