Risk Analyst 1

TBK Bank•Dallas, TX

About The Position

Triumph Commercial Finance (TCF), a division of TBK Bank, originates and services amortizing loans supporting capital expenditure financing in the transportation and construction industries. The Credit & Underwriting function mitigates portfolio credit risk by approving new and existing lending relationships and supporting ongoing servicing through monitoring. The Risk Analyst I underwrites credit risks in new applications and supports portfolio management by maintaining data integrity and measuring covenant and reporting requirements through ongoing financial statement collection and analysis. The role calls for strong organization, attention to detail, initiative, communication skills, credit risk fundamentals, and the ability to identify and communicate key decision inputs from multiple sources to reach stakeholder concurrence.

Requirements

Five to ten years of experience in equipment finance commercial credit underwriting.
A bachelor’s degree or 10 or more years of equipment finance experience.
Excellent written, oral, and presentation skills, including the ability to turn complex and varied factual inputs into a coherent decision rationale and recommendation.
Initiative and ability to work independently, along with willingness to support TCF functions including booking, funding, sales, service, and collections.
Proficiency in Microsoft Office, including Word and Excel.

Nice To Haves

Knowledge or experience with title, lien perfection, and transportation finance.

Responsibilities

Evaluate credit risks through review and analysis of applications, business conditions, bureau reports, financial statements, and management capabilities.
Evaluate potential loss given default and negotiate structural enhancements involving transaction attributes, guarantor structures, and collateral structures.
Anticipate documentation workflow requirements to ensure security interest perfection and set appropriate market expectations.
Prepare credit memo packages and presentations for relationship exposures from $0.1 million to $50 million.
Negotiate with sales to communicate decisions that meet TCF’s risk appetite and borrower expectations.
Keep decision inputs and credit files current and digitized according to established procedures.
Support ongoing borrower credit file maintenance by collecting financial statements, testing covenants, and translating and entering supporting data in conjunction with system enhancements.
Perform other duties as assigned.