Credit Products Analyst I (Hybrid within BankUnited Footprint)

BankUnited, Inc.•Orlando, FL

3d•Hybrid

About The Position

This role prepares spreads and other preliminary financial analysis, and may support in the renewal and annual reviews of existing loans in the Corporate and CRE portfolio. The analyst ensures credit quality is maintained by identifying key risk factors associated with each loan, determining if those factors are mitigated, analyzing the viability of repayment sources, assessing the appropriateness of the current loan grade, and reviewing prior and conditional approvals and all loan documents to ensure borrower compliance with loan terms.

Requirements

Bachelor's Degree in business related field or considered but acceptable alternative field
0-2 years as a credit analyst required
Involved in the analysis of complex credits in both corporate lending and commercial real estate, in order to progress to the next Credit Product Analyst level required.
Must have good accounting skills developed through formal college undergraduate courses (through intermediate accounting) or through acceptable alternative means such as AIB
Have demonstrated good credit judgment

Nice To Haves

Candidates residing in locations within BankUnited's footprint may be given preference.

Responsibilities

Works closely with the managers and officers of the supported line of business production units (Corporate Lending, Specialty Lending, Commercial Lending, CRE, Bridge Funding, etc.) to determine on-going priorities for loans under analysis. Makes modifications to priorities as appropriate with the input of their supervisor.
Maintains an up to date pipeline which details the status of all loans under analysis.
Prepares credit analysis reports with complexity being comparable to their level of experience from simple transactions (for CPA I) to the largest and most complex lending relationships in the bank (for CPA III). This includes recommendations as to modified structure or collateral, and if warranted, recommending that the loan not be renewed or downgraded.
Determines key risk factors for assigned loans and whether or not these are appropriately mitigated.
Prepares financial statement spreads for officers in supported units to help them evaluate credit proposals in their early stage.
Ensures compliance with Sarbanes-Oxley related matters.
Participates in, and may have leadership roles in, ad hoc project assignments as made by the Director of Credit Products, Senior Credit Products Manager, or Credit Products Manager.
Adheres to and complies with applicable, federal and state laws, regulations and guidance, including those related to anti-money laundering (i.e. Bank Secrecy Act, US PATRIOT Act, etc.).
Adheres to Bank policies and procedures and completes required training.
Identifies and reports suspicious activity.