Analyst Jobs

About The Position

Requirements

• Bachelor's degree or equivalent experience
• 1 year of relevant banking experience
• Strong organizational skills, excellent verbal and written communication skills, and financial statement analytical skills
• Knowledge of Bank policies and procedures

Nice To Haves

• Demonstrated experience utilizing credit software to capture credit applications
• Above-average PC skills including MS Office Applications (Word, Excel)
• Ability to quickly learn new software / systems

Responsibilities

• Manages a portfolio of customers and acts as the primary point of a contact for the client and as a liaison to internal teams (such as underwriting, credit, closing, construction, operations, and others)
• Applies sound judgment, innovation, and appropriate creativity in management of client relationships
• Responsible for building and maintaining a rapport with customer to ensure proper management of the account
• Works with loan operations to ensure the proper booking of all facilities on the loan system
• Works with SAG and Credit with quarterly watchlist and Portfolio Reviews to ensure struggling clients are appropriately managed and risks are mitigated
• Spreads financial statements and calculates certain ratios including measures of liquidity, leverage, and cash flow
• Tests financial covenants and addresses out of compliance situations timely and within the parameters of the Bank’s credit policies and procedures
• Completes accurate and timely Credit Memos, Reviews and Renewals in accordance with Bank procedures and policy.
• Manages the renewal process by working with the client and the credit department
• Manages customer draw requests in a timely manner in accordance with Bank policy
• Proactively looks for ways to improve our processes and make suggestions when you identify those opportunities
• Ensures financial statements are collected and covenants are tested in accordance with loan agreements
• Recommends changes in risk grading on individual relationships to credit administration based on client performance, as needed
• Processes clients’ advance/draw requests and submits memos to Credit for approval
• As needed, conducts periodic customer visits to obtain enhanced knowledge of account for financial review, building the relationship and overall management of the account
• Communicates effectively to set and meet realistic expectations
• Maintain a high standard of regulatory awareness including BSA, AML, CIP, and OFAC

Benefits

• Paid sick leave