Credit - All Levels
About The Position
Platinum Bank is seeking to add three team members to its Credit team. These roles are designed to be flexible and can accommodate various experience levels, from entry-level analysts to seasoned professionals. This is an opportunity to join a relationship-driven community bank where the credit department functions as a partner to lending, focusing on strong analysis, thoughtful risk management, organized credit administration, and practical deal execution. Responsibilities will be tailored to the individual's experience and capabilities, starting with credit analysis and potentially expanding to independent underwriting, portfolio oversight, credit approval authority, and leadership roles as proficiency grows.
Requirements
- 4 year college degree or equivalent combination of education and experience preferred.
- A minimum of three years commercial credit experience. We’re also seeking seasoned professionals with 10+ years of experience.
- Strong organizational skills with attention to detail and accuracy
- Ability to manage multiple deadlines in a fast-paced environment
- Analytical mindset and problem-solving ability
- Clear written and verbal communication skills
- Professional discretion and respect for confidentiality
- Collaborative, respectful, and service-oriented approach
- Proficiency in Microsoft Excel, Word, and Outlook
Nice To Haves
- Experience with nCino a plus
- Experience with Jack Henry, LaserPro, or financial spreading software a plus
Responsibilities
- Coordinate and track receipt of underwriting documents from customers to support new and existing loan analysis.
- Prepare monthly, quarterly, and annual loan and credit reports for management and the Board.
- Support covenant tracking, tickler systems, and annual review processes.
- Maintain accurate and complete data in the loan management system (nCino).
- Order, review, and track third-party reports such as appraisals, real estate evaluations, and collateral audits.
- Manage borrowing base certificate tracking and review accounts receivable aging reports.
- Monitor construction loan advances and supporting documentation.
- Assist with managing loan maturity reports and proactively gather information for upcoming maturities.
- Perform loan file reviews, post-close reviews, and assist with internal audits of credit processes.
- Attend Credit Committee meetings and document meeting minutes.
- Support loan participation reporting and information sharing with partner institutions.
- Complete ACH relationship annual reviews and other credit-related reporting as directed.
- Assist with or independently analyze loan requests and annual reviews in accordance with Bank policy and regulatory standards.
- Spread and interpret borrower financial statements with increasing independence.
- Evaluate cash flow, collateral, guarantor strength, and industry trends.
- Prepare written credit presentations clearly summarizing risk and key considerations.
- Identify policy exceptions and recommend risk ratings.
- Recommend loan structures, covenants, and risk-mitigation strategies.
- Participate in client calls with Relationship Managers as appropriate.
- Work collaboratively with lenders and Credit leadership.
- Build comfort presenting analysis and responding to questions.
- (Senior levels) Provide guidance or mentorship to junior credit or administration staff.
- Build knowledge of lending regulations, policies, and best practices.
- Identify opportunities to improve efficiency through process or technology.
- Support system enhancements and workflow improvements.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
Associate degree
