Senior Credit Analyst

Mitsubishi HC Capital America Inc•Edina, MN

22d•$98,500 - $115,000•Hybrid

About The Position

Reviews and processes new credit transaction applications to make decisions within the single signature authority granted and in compliance with Mitsubishi HC Capital America, Inc. (MHCA) credit policy focusing on full financial disclosure transactions with exposures between $1.0M - $5.0M USD. Recommends approval terms to senior credit management when more than single signature authority. Performs other hands-on administrative functions relating to documentation, funding, and collateral valuations. Assists in training and indoctrination of new credit staff hires focusing on departmental workflows and MHCA underwriting guidelines. This position requires a comprehensive understanding of and adherence to the system of internal controls associated with the fundamental duties and responsibilities of the role, including compliance with SOX and all other pertinent regulatory and compliance policies and requirements.

Requirements

BS/BA Degree in Business or Finance or equivalent experience
Minimum eight years related experience with a comparable financial institution with prior single signature approval authority within a risk finance investment environment
Analytical Ability
Ability to Synthesize
Problem-solving
Decision-making/judgement
Oral Communication (French/English)
Written Communication (French /English)
Interpersonal Communication
Ability to work in a team
Thoroughness
Self-motivated

Nice To Haves

Experience in underwriting healthcare, IT, or franchise lending industries is a plus

Responsibilities

Performs in-depth credit analysis and financial evaluation of new business transactions within designated single signature authority on a timely basis
Prepares detailed credit write-ups of credit transactions in accordance with MHCA underwriting criteria and makes appropriate recommendations to Senior Management regarding transactions exceeding single signature authority
Ability to review, understand, and communicate financial statements and utilize the data to risk rate transaction within their authority or communicate and present the recommendation to the approving authority in a timely manner to support MHCA field marketing force, dealers, and manufacturers
Interact with Operations/Legal teams to assure that the documents reflect the actual approval and commitment stipulated in their sign-off of the credit transaction
Provide assistance to the application only team where required by total overall application workflow
Complete financial statement spreads and analysis, along with the Credit Memo, on credits with total exposure of $1,000,000 to $5,000,000