Risk Analyst 1

TBK Bank, SSB•Dallas, TX

About The Position

Triumph Commercial Finance, a division of TBK Bank, originates and services amortizing loans supporting capital expenditure financing in the transportation and construction industries. Its 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, measuring covenant and reporting requirements, and collecting and analyzing financial statements. The role calls for strong organization, attention to detail, initiative, communication, and credit-risk fundamentals. The analyst must identify and convey key decision inputs from varied sources to help stakeholders reach decisions.

Requirements

5–10 years of experience in equipment finance commercial credit underwriting.
Bachelor’s degree or 10+ years of equipment finance experience.
Excellent written, oral, and presentation skills, including the ability to synthesize complex factual inputs into a coherent decision rationale and recommendation.
Initiative and ability to work independently, with willingness to support TCF functions including booking, funding, sales, service, and collections.
Proficiency in Microsoft Office, including Word and Excel.

Nice To Haves

Title, lien perfection, and transportation finance experience and knowledge.

Responsibilities

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