Small Business Credit Officer II
About The Position
Review and decision small business loan applications, in a centralized environment, for high dollar and complex loans. Assist peers and those less experienced through the loan decision process, offering expertise on financial analysis and loan structuring. Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.
Requirements
- Two+ years in underwriting, portfolio monitoring, or similar business loan analysis.
- Basic knowledge of commercial lending and credit standards, policies, procedures, and products.
- Must be proficient in basic software applications such as Microsoft Access, Word and Excel.
- Must be attentive to detail and possess excellent verbal and written communication and organizational skills.
Nice To Haves
- College degree in accounting, finance or economics is preferred.
- Familiarity with the Bank's internal applications is helpful.
Responsibilities
- Responsible for spreading financial statements based on information provided in the loan package.
- Provide loan decisions and/or credit recommendations based on a review of all underwriting criteria, including loan structure, collateral, interest rate, and fees.
- Perform global cash flow and balance sheet analysis for small-business healthcare loans of up to $2 million.
- Independently prepare a written evaluation of a borrower's financial condition and future outlook, identifying risks and mitigation.
- Independently collaborate with the sales team in developing loan structures that meet the needs of the customer and adhere to the organizations risk appetite.
- Assist and mentor fellow team members in portfolio monitoring.
- Identify opportunities and recommend solutions for process improvements and software development.
- Mentor credit analysts to help them develop risk management skills and knowledge.
- Effectively communicate loan decision to loan originator.
- Identify and review all necessary due diligence items.
- Effectively communicate loan decision to loan originator.
- Negotiate terms & conditions of loan with originator.
- Miscellaneous job duties as assigned.
Benefits
- Comprehensive benefits and differentiated compensation offerings
- Eligible to participate in an incentive compensation plan
- Extensive benefits programs designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
Associate degree
