SBA Sr. Credit Analyst
About The Position
The SBA Credit Analyst position is responsible for the financial and narrative analysis of the credit worthiness of new and existing SBA loans. Analysis would include SBA eligibility. Underwriting must include the identification of policy exceptions and other credit issues in order to identify and protect the asset quality of the Bank’s commercial loans. In this role you will: Support the Bank’s “People First” focus and rules of engagement—maintaining a professional demeanor, working as an active member of the CNOB team, providing all clients excellent service, always striving to make CNOB “A Better Place to Be”. Support all facets of preparing credit analyses for loan requests including financial statement analysis, collateral analysis, risk rating recommendations, trend analysis, and identifying the credit’s strengths and weaknesses. Prepare written recommendation as to whether the proposed loan should be approved as presented or whether an alternate loan structure is appropriate. Prepare financial statement spread sheets which include a measurement of various financial ratio trends. Assist the Loan Officers with the completion of annual loan reviews, as required. Attend Loan Committee. Other basic credit responsibilities supporting the preparation and evaluation of credit proposals.
Requirements
- Financial analysis, cash flow lending, accounting principles and credit concepts.
- Interpretation and application of SBA Standard Operating Procedure.
- Windows Office applications, Word, Excel, and Outlook.
- Knowledge of relevant Federal and State banking regulations.
- Good understanding of basic loan documentation and general banking principles.
- High degree of accuracy and attention to detail.
- Excellent verbal and written communication skills.
- Excellent PC skills, including a good working knowledge of Microsoft Word and Excel.
- Ability to work well independently and with others.
- Time management, organization, and communication (written and oral).
- Three to Five years of commercial lending experience.
- Bachelor’s degree.
Nice To Haves
- Strong “People First” interest and ability.
- Formal Bank Credit Training
Responsibilities
- Support the Bank’s “People First” focus and rules of engagement—maintaining a professional demeanor, working as an active member of the CNOB team, providing all clients excellent service, always striving to make CNOB “A Better Place to Be”.
- Support all facets of preparing credit analyses for loan requests including financial statement analysis, collateral analysis, risk rating recommendations, trend analysis, and identifying the credit’s strengths and weaknesses.
- Prepare written recommendation as to whether the proposed loan should be approved as presented or whether an alternate loan structure is appropriate.
- Prepare financial statement spread sheets which include a measurement of various financial ratio trends.
- Assist the Loan Officers with the completion of annual loan reviews, as required.
- Attend Loan Committee.
- Other basic credit responsibilities supporting the preparation and evaluation of credit proposals.
Benefits
- World class health, vision, and dental benefits on day one
- 401k with employer match
- Hybrid work from home (depending on role)
- Employee appreciation events (team building, softball games, food truck days, etc..)
- Employee assistance programs (EAP)
- Wellness programs (flu shot, preventive care, health programs and services discounts, etc..)
- Tuition reimbursement
- Employee Discount perks
- CNOB Community Service Events
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What This Job Offers
Job Type
Full-time
Career Level
Senior
