Job Summary:

• Monitor Credit Application email and Fax boxes and answer general questions from internal customers daily.
• Set up new accounts daily managing CamAccounts email box and CAM Credit APP fax
• Reply to account audit requests and Update documentation
• Provide credit references upon request
• Assist legal/sales with credit snapshot
• Update accounts- address and facility name changes, merge requests, and inactivation.
• Assist with vendor form requests weekly
• Release orders daily on credit check hold
• Manage credit limits proactively and contact customers for payment
• Contact bank and trade references for new accounts and verify before recommending credit limit
• Monitor all account's credit scores and any dings, and re-assess credit limits using this information
• Work with an external Credit Reporting Agency to report on open active accounts
• Process and Procedure Improvement

Skills on Resume: 

• Credit Monitoring and Management (Hard Skills)
• Documentation and Reporting (Hard Skills)
• Customer Service and Communication (Soft Skills)
• Account Setup and Maintenance (Hard Skills)
• Order Management (Hard Skills)
• Vendor and Reference Verification (Hard Skills)
• Process and Procedure Improvement (Hard Skills)
• Attention to Detail and Accuracy (Hard Skills)

Job Summary:

• Spreading financial statements for borrowers, co-borrowers, guarantors, and others as requested
• Performing and reviewing credit inquiries
• Using independent judgment to analyze financial information in order to determine the Sufficiency of cash flow, debt serviceability, collateral adequacy and borrower risk rating.
• Reviewing/recommending loan structures consistent with bank policies and guidelines
• Preparing credit analysis and loan proposals that assist in the prudent granting of credit
• Performing trend analysis on financial reports of borrowers to evaluate ongoing credit-worthiness
• Accompanying lenders on customer contact calls
• Contact borrowers to obtain updated financial information to ensure quality of documentation within files.
• Instruct / teach others how to perform tasks.
• Prioritize and meet deadlines.
• Work well in a team environment that promotes inclusiveness and communication among team members.

Skills on Resume: 

• Financial Statement Analysis (Hard Skills)
• Credit Inquiry Evaluation (Hard Skills)
• Independent Judgment and Analysis (Hard Skills)
• Loan Structuring and Compliance (Hard Skills)
• Credit Analysis and Proposal Preparation (Hard Skills)
• Trend Analysis (Hard Skills)
• Customer Interaction and Communication (Soft Skills)
• Training and Team Collaboration (Soft Skills)

Job Summary:

• Prepare and present credit requests to Team Leader, Relationship Managers, Credit Administration and loan committee for use in support of lending decisions on new loans, renewals of existing credit, and increased exposure to existing Clients.
• Maintain control over credit standings of accounts and furnish information relative to credit inquiries, as appropriate.
• Knowledge of commercial, construction and real estate credit analysis.
• Able to demonstrate moderate to superior skills in financial statement spreading and the evaluation of projections.
• Manage loan and portfolio credit quality through annual and quarterly covenant, risk rating and trend analysis.
• Gather and analyze credit information on current and potential borrowers including preparation of financial statement spreads for borrowers and guarantors.
• Assess liquidity, leverage, cash flow and contingent liabilities of businesses and individuals.
• Research market for prospective clients.
• Make joint calls on customers and prospects.
• Recommend loan structures and prepare loan approval memorandums for new and existing clients, with minimal oversight by Team Leader, Relationship Managers and Credit Administration.
• Work in concert with Credit Administration, Relationship Managers and Team Leader to organize and manage a tickler system on all loan relationships.
• Manage special projects as assigned including, but not limited to, preparation of management reports, implementation of new software within the Commercial Lending group and procedures.

Skills on Resume: 

• Credit Analysis and Evaluation (Hard Skills)
• Financial Statement Spreading (Hard Skills)
• Credit Quality Management (Hard Skills)
• Credit Information Gathering (Hard Skills)
• Market Research and Client Acquisition (Hard Skills)
• Loan Structuring and Approval (Hard Skills)
• Project Management (Hard Skills)
• Collaboration and Coordination (Soft Skills)

Job Summary:

• Conduct a credit review of all new orders and communicate credit terms to the customer within the SLA terms.
• Re-evaluate credit terms for established customers.
• Utilize outside reporting agencies such as Dunn & Bradstreet, Equifax, and Cortera to establish credit limits.
• First point of contact with reporting agencies.
• Utilize other sources of credit information to include financial statements, credit references, online searches, fuel statements from current provider
• Consult with customers regarding payment terms and credit limits.
• Create credit analysis sheets for all new opportunities.
• Ensure all customer information is protected at all times.
• Follow all company and departmental credit policies and procedures.
• Participate in bi-weekly meetings with Sales to discuss any open credit issues.
• Primary contributor for any process improvement initiatives that involve credit.
• Produce month-end reporting department metrics and scorecard results.

Skills on Resume: 

• Credit Analysis (Hard Skills)
• Communication (Soft Skills)
• Reporting and Documentation (Hard Skills)
• Compliance (Hard Skills)
• Data Analysis (Hard Skills)
• Process Improvement (Hard Skills)
• Collaboration (Soft Skills)
• Customer Service (Soft Skills)

Job Summary:

• Work closely with Commercial Lenders to prepare Loan Presentations for Loan Committee
• Identify proposed loan terms and determine if request meets bank policy.
• Spread financial statements for comparative year review.
• Accountable for analyzing incomes statements and balance sheets to help minimize the risks.
• Analyze the spreads for negative trends or inconsistencies between line items.
• Guarantor/Personal Cash Flow Analysis.
• Evaluate the credit worthiness of businesses and determine the ability to repay loans and lines of credit, including those used to purchase equipment and other goods.
• Analyze how much cash and liquid assets a business has on hand with how much they owe before making a decision.
• Develop financial profiles and investing credit histories.
• Analyze personal financial statements.
• Review or determine the accurate loan grade.

Skills on Resume: 

• Financial Analysis (Hard Skills)
• Credit Risk Assessment (Hard Skills)
• Loan Presentation Preparation (Hard Skills)
• Compliance with Bank Policies (Hard Skills)
• Cash Flow Analysis (Hard Skills)
• Financial Profile Development (Hard Skills)
• Guarantor Analysis (Hard Skills)
• Loan Grading (Hard Skills)

Job Summary:

• Obtains loan request information from Commercial Bankers or borrowers to analyze credit information, financial statements and other related information pertaining to the loan.
• Spread financial statements for commercial lenders into the Sageworks System.
• Reviews and prepares written analysis, spreadsheets, reports, summaries and recommendations based on risks, credit and collateral. 
• Assists in the presentation of findings to lenders and /or loan committees.
• Understand the background of borrowers and be able to communicate the strengths and weaknesses.
• Prepare memos for financial analysis.
• Credit underwriting and collateral Analysis.
• Maintain an understanding of business, economic, and industry risk.
• Keep abreast of financial news and trends.
• Provide exceptional customer service to all internal and external customers.
• Promptly respond to any emails or phone calls from customers.
• Promptly update customer records to ensure accurate files at all times.
• Promote strong working relationships with Sales team.

Skills on Resume: 

• Credit Analysis (Hard Skills)
• Financial Reporting (Hard Skills)
• Collateral Analysis (Hard Skills)
• Communication (Soft Skills)
• Customer Service (Soft Skills)
• Industry Knowledge (Hard Skills)
• Documentation (Hard Skills)
• Team Collaboration (Soft Skills)

Job Summary:

• Generates lease quotes, working closely with sales staff to customize each pay structure along with generating contracts
• Processes credit applications, and performs credit reviews and decisions. 
• Entails working with applicants and salesmen to obtain all necessary documentation.
• Review of municipal bids for acceptability and compliance
• Responsible for verifying tax compliances on lease transactions prior to funding
• Review special requests for documentation alterations and work with Legal Counsel for final approval
• Process lease assumptions
• Payoff/Buyout Quotes- generates and submits customer payoff and/or buyout of contracts as requested by customer, Distributor or DM.
• Coordinate with customer, Distributor and insurance agent for replacement or repair of damaged leased equipment.
• Understand and interpret the key ratio analysis.
• Identify if the entity requesting the loan is a legal entity via a Secretary of State search.

Skills on Resume: 

• Lease Quote Generation (Hard Skills)
• Credit Application Processing (Hard Skills)
• Documentation Management (Hard Skills)
• Bid Review and Compliance (Hard Skills)
• Tax Compliance Verification (Hard Skills)
• Legal and Documentation Alteration (Hard Skills)
• Lease Assumptions and Payoff Quotes (Hard Skills)
• Entity Verification and Ratio Analysis (Hard Skills)

Job Summary:

• Evaluate new and renewal commercial loans and, make credit presentations and recommendations to either the VP of Commercial Credit or the Commercial Credit Committee under policy, procedures and SBA guidelines.
• Spread, analyze and report financial results for corporate and individual financial statements and tax returns for new commercial credit requests, renewal requests and annual reviews of existing credits.
• Perform ongoing analysis of member financial performance and completion of annual credit relationship reviews.
• Monitor and maintain covenant, borrowing base and financial reporting requirements. 
• Communicate results to the appropriate commercial relationship manager and/or VP of Commercial Credit
• Respond to requests and inquiries from commercial member relationship managers.
• Assist with special projects and management reporting.
• Complete eLearning, self-study and external educational seminars to keep skills sharp.
• Comply with all Smart Financial Policies and Procedures as well as applicable Federal and State rules and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act and the Office of Foreign Assets Control.

Skills on Resume: 

• Credit Analysis (Hard Skills)
• Financial Reporting (Hard Skills)
• Covenant and Compliance Monitoring (Hard Skills)
• Effective Communication (Soft Skills)
• Customer Service (Soft Skills)
• Project Management (Hard Skills)
• Continuous Learning (Soft Skills)
• Regulatory Compliance (Hard Skills)

Job Summary:

• Provide technical support for projects and any operational problems encountered
• Analyze and process credit applications
• Conduct technical studies, research and analysis and serve as a resource person for the submission of solutions and action plans
• Prepare technical notes to enhance the skills and knowledge of users
• Assist stakeholders in the application of processes and business solutions, and in the use of tools and systems related to unit's activities and operations
• Identify PB’s lien position by reviewing proper legal documents or UCC filings.
• Demonstrates a positive reflection of the organization in public through actions and behaviors.
• Maintain and ensure compliance standards by complying with all bank policies and procedures.
• Make recommendations/decisions regarding the extension of credit.
• Structure, analyze, and write SBA 7(a) and SBA 504 credit requests.
• Monitor customer’s accounts and portfolios in order to maximize credit quality and minimize risk of potential loss.

Skills on Resume: 

• Technical Support and Troubleshooting (Hard Skills)
• Credit Analysis and Processing (Hard Skills)
• Technical Research and Analysis (Hard Skills)
• Technical Writing and Documentation (Hard Skills)
• Stakeholder Support and Training (Soft Skills)
• Legal and Compliance Knowledge (Hard Skills)
• Credit Structuring and SBA Loan Expertise (Hard Skills)
• Risk Management and Portfolio Monitoring (Hard Skills)

Job Summary:

• Obtains and analyzes financial, credit and collateral data to evaluate existing and prospective commercial loan opportunities and assist loan executives and sales executives on loan requests in order to approve or deny applications.
• Analyzes financial information received from borrowers and other sources, such as reporting services, credit bureaus, other companies and current credit files to determine trends for collectability and loan profitability.
• Produces initial credit analysis for pre-screening, underwriting, and approval processes.
• Assists loan officers with the monitoring of loan relationships and the portfolio.
• Examines and tests all Borrowing Base Certificates and Covenants for compliance with loan agreements.
• Ensures open communication and collaborative efforts exist between the lending teams and the credit staff by clearly communicating progress and/or needs in a timely and precise manner.
• Supports loan and credit facility production staff in preparation of written credit proposals and presentations to various credit committees.
• Ensures that all transactions either conform to the Loan Policy or ensure that all policy exceptions are disclosed in the credit proposal.
• Review incoming financial statements on existing customers, update financial spreads and communicate any concerns with the supervisor.
• Analyze financial data on new and existing loans, including data provided via credit bureau reports, tax returns, and financial statements
• Responsible for the accurate and timely spreading of business and personal financial statements/tax returns

Skills on Resume: 

• Financial Analysis (Hard Skills)
• Credit Analysis (Hard Skills)
• Compliance Monitoring (Hard Skills)
• Communication (Soft Skills)
• Portfolio Management (Hard Skills)
• Loan Proposal Preparation (Hard Skills)
• Regulatory Compliance (Hard Skills)
• Detail Orientation (Hard Skills)

Job Summary:

• Assist loan officers in accurately and independently preparing spread sheets, reports, summaries and opinions for the bank on new loans and renewals of existing loans
• Work to ensure consistent application of the bank’s underwriting principles and methodologies within the context of bank policies/procedures and regulatory requirements
• Establish, review and update new and existing loan files for the bank on a regular basis
• Assist Commercial Lenders in the preparation of loan request write-ups, loan renewal management, and classified asset reporting.
• Prepare pertinent reports, track financial information, and assist with loan review.
• Coordinate the flow of documents, information, and reports necessary to ensure the effective and efficient operation of the Structured Warehouse Loan department.
• Monitor financial statement requirements and loan covenants.
• Assist in communicating with the borrowers, periodic reporting, liens and collateral.
• Maintain knowledge of current regulations and compliance items affecting the department and the Bank.
• Review consumer loan files and portfolios for compliance with customer and bank guidelines.

Skills on Resume: 

• Financial Reporting (Hard Skills)
• Underwriting Principles (Hard Skills)
• File Management (Hard Skills)
• Loan Documentation and Preparation (Hard Skills)
• Regulatory Compliance (Hard Skills)
• Document Coordination (Hard Skills)
• Financial Monitoring (Hard Skills)
• Borrower Communication (Soft Skills)

Job Summary:

• Work closely with Commercial Lenders and Credit Officers to prepare Loan Presentations for decisioning. 
• Identify proposed loan terms and determine if request meets bank policy.
• Accomplishes staff results by communicating job expectations to Credit Analysts
• Planning, monitoring, and appraising job results
• Coaching, counseling, developing personal growth opportunities and disciplining employees
• Developing, coordinating, and enforcing systems, policies, procedures, and productivity standards.
• Manage workflow and projects
• Become very familiar with the Credit Quest and be prepared to train analysts and lenders on its functions. .
• Work with internal and external loan review along with auditors and regulators on credit processes and procedures and obtain necessary documentation to clear any credit exceptions or issues.
• Spread financial statements for comparative year review and analyze for negative trends or inconsistencies.
• Complete Guarantor/Personal Cash Flow Analysis.

Skills on Resume: 

• Loan Presentation Preparation (Hard Skills)
• Credit Policy Compliance (Hard Skills)
• Team Leadership and Management (Soft Skills)
• Process and Procedure Development (Hard Skills)
• Workflow and Project Management (Hard Skills)
• Training and Technical Expertise (Hard Skills)
• Regulatory and Audit Collaboration (Hard Skills)
• Financial Analysis (Hard Skills)

Job Summary:

• Understand financial, debt service, collateral, and loan structure as a whole in order to prepare credit presentations for decisioning.
• Review or determine the accurate loan grade.
• Understand and interpret the key ratio analysis.
• Identify if the entity requesting the loan is a legal entity via a Secretary of State search.
• Identify PB’s lien position by reviewing proper legal documents or UCC filings.
• Assist in the review of large credit exposure presentations for accuracy and thoroughness
• Handle large, complex or rush deals
• Demonstrates a positive reflection of the organization in public through actions and behaviors.
• Maintain and ensure compliance standards by complying with all bank policies and procedures.
• Assist in the completion and documentation of ongoing covenant testing, the loan review process, borrowing base certificate tracking, back-end portfolio monitoring and appraisal review
• Provides technical advice and assistance to loan officers including loan structuring and credit display accuracy
• Prepare a thorough borrower/business financial and personal cash flow spreads, surfacing risk as appropriate. 
• Recommend risk rating adjustments as necessary. 
• Have a high degree of complexity and be able to draft an analysis of borrower(s) character, financial reports, explanations, and key ratios. 
• Conduct key financial ratio analysis with borrower(s) capacity, liquidity, operating, collateral, and leverage. 

Skills on Resume: 

• Credit Analysis and Presentation (Hard Skills)
• Loan Grading and Risk Assessment (Hard Skills)
• Ratio Analysis and Interpretation (Hard Skills)
• Legal and Compliance Knowledge (Hard Skills)
• Large Deal Management (Hard Skills)
• Technical and Advisory Support (Soft Skills)
• Documentation and Monitoring (Hard Skills)
• Financial Analysis and Risk Identification (Hard Skills)

Job Summary:

• Interact with borrowers, lead lenders, or other appropriate sources, in the gathering of application, personal financial information (PFI), loan documents, bank and asset statements, taxes, additional financials, 3rd party reports, and statements tied to collateral for review. 
• Review borrower applications and loan packages to help structure transactions in a manner that allows the credit union to lend within its policies, while minimizing credit risk. 
• Document comparisons of potential loan to borrowers with its market conditions such as liquidity, profitability, credit and historic business experience and trends, collateral, economic conditions, competition, along with similar industry, size, and geographic location. 
• Compose various credit requests for approval in a narrative format, including results of credit analysis and a summary of loan requirements and recommendations. 
• Actively participate in Business Loan Committee presentation. 
• Organize and lead the work and cross-training of other credit analysts, as necessary. 
• Review work of other credit analysts, as appropriate, prior to submission for credit review. 
• Monitor and review commercial loans/participations, interacting and communicating with lead lender credit unions, internal finance and financial solutions teams. 
• Assist with loan portfolio monitoring, including periodic loan reviews, asset quality rating upgrades and downgrades in risk ratings, and credit modifications
• Compose and track periodic loan reviews of commercial loans and participations (e.g. property inspections, updated insurance, spread of financials, rent rolls, and additional loan covenant requirements), ensuring accuracy and completeness of each credit. 
• Compose annual lead lenders (participants) report conducting a due diligence review of the most recent internal audit of commercial loans, business continuity/disaster recovery, financial performance, health, servicing performance and support for inquiries, updating of insurance requirements, with any additional comments or concerns of the relationships. 

Skills on Resume: 

• Financial Analysis (Hard Skills)
• Credit Risk Assessment (Hard Skills)
• Documentation and Reporting (Hard Skills)
• Loan Structuring (Hard Skills)
• Portfolio Management (Hard Skills)
• Leadership and Training (Soft Skills)
• Communication (Soft Skills)
• Due Diligence (Hard Skills)

Job Summary:

• Communicate directly with clientele in a professional manner, and build rapport via phone, email, and in-person conversations. 
• Research, review, analyze, and approve appraisals, property inspections, and environmental reports 
• Plan and execute multiple projects along with ongoing initiatives while balancing department and organizational demands of resources. 
• Participate in the updating of policies, procedures, and guidelines. 
• Lead responses and implementation of changes. 
• Use personal judgment from skill and experience to recommend changes to programs 
• Manage and track workflow priorities of the department. 
• Assist loan officers with loan applications and the approval process. 
• Conduct real estate inspection
• Deliver timely and accurate information for decision-making. 
• Participate in internal audits and regulatory examinations.
• Provide proactive loan status updates and communicate to its members, participating credit unions, or other interested parties in resolving discrepancies and problems to minimize turn time while thoroughly documenting credit requests
• Providing periodic reports, and ensuring the quality of member service throughout the loan or participation process. 

Skills on Resume: 

• Client Communication (Soft Skills)
• Appraisal and Report Analysis (Hard Skills)
• Project Management (Hard Skills)
• Policy Development and Implementation (Hard Skills)
• Workflow Management (Hard Skills)
• Loan Assistance (Hard Skills)
• Decision-Making Support (Hard Skills)
• Quality Control and Problem Resolution (Soft Skills)