• Participate in the management of the credit risk portfolio
• Underwrite credit limit decisions within own DLA
• Make recommendations when requests exceed DLA
• Define appropriate parameters to enable automatic underwriting on individual Buyers
• Ensure that the integrity of the risk database is maintained
• Proactively manage relationships with internal and external clients and stakeholders
• Attend Client and Broker sites
• Work with the team to achieve set KPIs and management reporting
• Participate in ad hoc projects, reviews
• Comply with business procedures and underwriting guidelines established by the Company
• Interact with bank management and write and present reports
• Conduct due diligence related to potential acquisitions
• Work closely with the loan review team and BKD auditors to exceed client expectations
• Overtime hours will be required at various times throughout the year

Skills: Credit Risk Management, Credit Underwriting, Data Integrity & Analysis, Client Relationship Management, KPI Achievement & Reporting, Compliance & Procedures, Report Writing & Presentation, Due Diligence & Team Collaboration

• Performing in-depth financial analysis (spreading and analyzing financial statements).
• Obtaining all required financial documents from the loan officer.
• Receiving data on prospective and active borrowing accounts, i.e., financial statements, tax returns, agency and credit reports, and interview and investigation sheets.
• Analyzing data and evaluates the short- and long-run prospects of the individual or company.
• Completing the analysis and forwarding it to the loan officer in a prompt and consistent format as adopted by the bank.
• Making modifications to the analysis
• Preparing sufficient information to document recommendations, if assigned to a lending function.
• Ensuring that all credit analysis activities are conducted in accordance with prescribed lending policy.
• Providing thorough documentation of all financial analysis work, including ratios, cash flow, and collateral analysis, and other related information.
• Under the direction of more senior-level staff, completes a variety of developmental assignments in assigned area. 
• Helps drive and support innovation and continuous efficiency improvements.
• Observing all policies, procedures, laws, regulations and risk limits specific to role. 
• Raise and report known or suspected violations to the appropriate Company authority in a timely fashion.

Skills: Financial Statement Analysis, Document Collection, Data Evaluation, Credit Analysis and Reporting, Lending Policy Compliance, Documentation and Reporting, Innovation and Efficiency, Regulatory Adherence

• Works closely with bankers and Credit Risk Managers in the assessment of client credit risks as well as industry risks and trends. 
• Prepares in-depth analyses of client financial statements, historical and projected operating performance, business plans, capital structures and other supplemental information from a wide variety of sources.
• Prepares thorough servicing reviews on a periodic basis and participates in the risk rating verification process. 
• Works with bankers and Credit Risk Managers regarding risk rating overrides. 
• Conducts timely covenant compliance reviews and analyses. 
• Assists CRMs in the monitoring of receipt of current and adequate financial statements. 
• Completes spreads and also forwards statements for spreading and ensures upload to internal databases/systems.
• Prepares analyses of traditional commercial lending, commercial real estate lending, leveraged financing, and cash flow lending, where applicable relative to assignments. 
• Ensures all transactions and processing are in compliance with regulatory and company guidelines, policies and procedures. 
• Prepares documentation for loan discussion, approval and committee presentation purposes at direction of Credit Risk Managers in conjunction with the Director, Credit Risk Analysts.
• Supports bankers with large and/or complex client accounts. 
• Works with bankers and Credit Risk Managers throughout the cross-selling process by identifying credit-worthy prospects.

Skills: Credit Risk Assessment, Financial Analysis, Covenant Compliance, Regulatory Compliance, Risk Rating and Verification, Documentation and Reporting, Cross-Selling and Relationship Management, Data Management and System Proficiency

• Verify, spread and analyze commercial member financials using analytics software for preparation of loan packages and credit presentations.
• Oversee documentation, monitor and review member files and loan performance.
• Analyze statements such as tax returns, income statements, balance sheets, rent rolls, leases, appraisals, personal financial statements, and credit reports to determine the degree of risk involved in extending credit or lending money
• Complete risk ratings and file reviews of commercial credits when necessary.
• Assist in ensuring compliance with the organization's Member Business Lending Policy.
• Monitor member files for accuracy.
• Assist officers in obtaining current financial documents pertinent to proper loan documentation.
• Order and review commercial appraisals for completeness and accuracy.
• Assist officers in gathering necessary information for auditors and examiners and work with the audit team
• Assess credit risk associated with individual commercial borrowers and with entire loan portfolios
• Evaluate loan documentation and recommend alternatives for improvement

Skills: Financial Analysis, Credit Risk Assessment, Loan Documentation Oversight, Appraisal Review, Regulatory Compliance, Risk Rating and File Review, Document Management, Strategic Recommendation

• Prepare written analysis of commercial loan requests, providing a comprehensive financial analysis of the borrower and guarantors' financial condition documenting repayment capacity, including industry comparisons and projections when necessary.
• Utilize industry-based spreading software to prepare financial spreads for preview memo/deal discussions, business and personal financial statement analysis and approval documents
• Assist lending officers in preparing, completing and reviewing the documentation necessary to present a loan request to the Board of Directors Loan Committee for approval.
• Work in tandem with loan officers to create a customer risk profile necessary to present loan requests to Officer and Directors Loan Committees for approval
• Assist Credit Manager in preparing reports, portfolio administration monitoring of asset-based lines of credit.
• Senior Credit Analyst acts as a mentor and supports credit analysts in technical aspects of the career.
• Spread an applicant company’s financial statements using LoanVantage, Parkside’s Loan Management System
• Analyze an applicant’s financial position and write commercial loan summaries for presentation to the Loan Committee
• Prepare credit memos on new commercial loan requests and existing loans being renewed, outlining creditworthiness based on financial data as well as ensuring that all loans proposed are in compliance with loan policy and banking regulations
• Monitor loan portfolios, including loan reviews and loan renewals
• Monitor credit, including borrowing base, financial covenant, margin loans and etc.
• Index and file through Synergy Document Management
• Other credit administrative functions and special projects
• Attend weekly Loan Committee

Skills: Financial Analysis, Industry-Based Spreading Software Proficiency, Documentation and Reporting, Credit Risk Assessment, Portfolio Management, Loan Committee Presentation, Mentorship and Support, Document Management

• Ability to convey an in-depth knowledge and understanding of business financial statements and personal financial statements and tax returns.
• Experience with commercial credit underwriting experience.
• Ability to identify and analyze trends, strengths, and risks in financials, industries, and geographies.
• Possesses effective verbal and written communication skills.
• Experience in commercial credit analysis.
• Basic knowledge of Federal, NCUA and State of NH, banking regulations.
• Basic understanding of credit enhancement programs (i.e. SBA, NHBFA, and CDFIs).
• Proficiency in financial spreading software, Microsoft Word, and Microsoft Excel.
• Experience with the Jack Henry Associates commercial loan origination software system, LoanVantage
• Ability to maintain a high level of professionalism and positive attitude with team members and clients.
• Knowledge of other banking services offered by other Lines of Businesses to identify and offer qualified referrals.

Qualifications: BA in Finance with 4 years of Experience

• Experience in learning how to complete the credit presentation
• Experience in developing a full understanding of cross-sell opportunities across the bank
• Experience in developing an understanding of banking and credit administration environments
• Basic understanding of personal and business financial statements and tax returns
• Experience in Developing knowledge of loan documentation and collateral perfection
• Experience in Learning loan origination, financial spreading, and other banking software
• Excellent verbal and written communication skills
• Knowledge of Microsoft Office Suite
• Experience in researching and analysis skills with attention to detail
• Ability to organize and process multiple projects to assure timely and accurate completion
• Ability to work independently and collectively within a team environment

Qualifications: BA in Economics with 3 years of Experience

• Knowledge of credit underwriting
• Experience as a commercial credit analyst, formal credit training
• Knowledge of tax returns (both business and personal), as well as M1 reconciliations and distribution
• Strong attention to detail, even when working on multiple projects at once.
• Ability to read and interpret financial statements including Tax returns (individual and business), balance sheets, income statements, cash flow schedules, statement of owner's equity.
• Ability to adapt and manage multiple deadlines is required.
• A good understanding of commercial lending concepts, practices and procedures.
• General understanding of accounting terms and principles Excellent communication skills, both written and verbal, including strong presentation skills.
• Ability to communicate effectively with senior management, operational and technical staff and peers.
• Strong computer skills and experience with MS Office products

Qualifications: BS in Accounting with 4 years of Experience

• Knowledge of dealership, fleet/commercial and indirect auto finance industry operations
• Understanding of dealer operations preferred
• Basic understanding of accounting principles and credit bureaus
• Ability to interface with all levels of management.
• Ability to make sound business decisions based on policies and procedures.
• Able to meet deadlines.
• Knowledge of Microsoft Office (Word, Excel, PowerPoint)
• Detailed-oriented and capable of managing multiple opportunities simultaneously.
• Excellent customer service skills.
• Strong Oral/written communication and interpersonal skills.
• Experience with automotive lending and/or credit buying 
• Ability to handle high call and application volumes and manage competing demands

Qualifications: BA in Business Administration with 5 years of Experience

• Experience in credit portfolio management.
• Experience with government-guaranteed and credit-enhanced lending programs such as SBA 7A and 504 as well as USDA.
• Direct experience with Buker’s Tax Analysis and FSA analytical software would be beneficial.
• Basic knowledge of credit administration, policy and procedures.
• Good knowledge of economics and finance.
• Basic knowledge of risk analysis.
• Effective technical report writing skills.
• Effective verbal and written communication skills.
• Experience with commercial loans or general banking
• Strong analytical skills and knowledge of both financial and managerial accounting.
• Effective verbal and written communication skills.

Qualifications: BA in Statistics with 3 years of Experience