Job Summary:

• Conduct thorough quantitative and qualitative credit analysis of new and existing FB customers and provide recommendations and assessment of credit risk
• Ensure outsourced and internal process documentation is up to date
• Provide training and support documentation for internal Sales/Sales Ops teams on invoiced revenue and credit-related processes
• Identify process gaps/tool enhancements and partner with key stakeholders to implement a scalable, stable and secure solution (including outsourced operations)
• Working with cross-functional teams on ad hoc projects related to order to cash
• Responsible for attending to local billing queries (as applicable) and coordinating resolution not limited to FB invoices/local tax invoices, ads spent discrepancies with invoices, update of customer details and local tax queries on invoices
• Responsible for raising change management request related to local credit collection and billing process for FB, including participating in ad-hoc projects
• Promoting customer goodwill through professional credit management and relationship building
• Participate in training and onboarding of new credit analysts
• Effectively manage credit-related support requests and escalations
• Lead communication to the Sales team at the leadership level and training content and manage delivery

Skills on Resume: 

• Credit Analysis (Hard Skills)
• Process Documentation (Hard Skills)
• Training and Support (Soft Skills)
• Process Improvement (Hard Skills)
• Cross-Functional Collaboration (Soft Skills)
• Billing Resolution (Hard Skills)
• Change Management (Hard Skills)
• Customer Relationship Management (Soft Skills)

Job Summary:

• Monitoring and processing of premium renewals.
• Review, and analyze all financial data, collateral sources, and insurance policy information to assess acceptance with business unit underwriting standards and credit appetite for all customer renewal activity.
• Prepare thorough, accurate, clear and concise underwriting memorandums for submittal to credit authorities.
• Adhere to PWB and business unit Credit Policy, Compliance and Underwriting Guidelines.
• Work closely with the Legal department to help prioritize and assist with documentation for assigned loans.
• Monitor portfolio for changes in borrower requirements, collateral deficiencies, or carrier agency ratings.
• Analyze, prepare and make recommendations for loan modifications when they develop.
• Ensure timely and accurate risk rating assessments and inform management of developing problems.
• Management and monitoring underlying insurance carrier performance and preparing annual reviews.
• Communicate with other relevant parties to establish a thorough understanding of an account relationship.
• Adhere to procedures for data entry to CS systems and tracking reports and maintain appropriate stewardship of credit files to document all material events and actions.
• Maintain financial integrity by researching and reconciling discrepancies

Skills on Resume: 

• Financial Analysis (Hard Skills)
• Underwriting Memorandums (Hard Skills)
• Credit Policy Adherence (Hard Skills)
• Legal Documentation Support (Hard Skills)
• Portfolio Monitoring (Hard Skills)
• Loan Modification Recommendations (Hard Skills)
• Risk Rating Assessments (Hard Skills)
• Insurance Performance Management (Hard Skills)

Job Summary:

• Undertaking in-depth credit risk assessments of existing merchants
• Gathering and reviewing relevant financial and non-financial information needed to complete a credit review.
• Contacting merchants to gather and verify information
• Analyse information to assess credit risks highlighting pertinent points and any areas of concern
• Communicated decisions back to the relevant parties.
• Ensure that all systems/ databases are maintained accurately at all times, for management information reporting.
• Correspond with clients to resolve payment issues and set up payment plans
• Follow standard procedures to perform basic accounting tasks, such as general accounting
• Post and balance financial data in various ledgers to reconcile bank accounts
• Validate documents and codes
• Carry out, convey, and strengthen the mission, values and culture of the company
• Reply to information requests from stakeholders, including shippers, customers, and the sales/marketing department
• Handle payments and compile segments of monthly closings and annual reports in compliance with GAAP

Skills on Resume: 

• Credit Risk Assessments (Hard Skills)
• Financial Information Review (Hard Skills)
• Merchant Communication (Soft Skills)
• Risk Analysis (Hard Skills)
• Decision Communication (Soft Skills)
• System Maintenance (Hard Skills)
• Payment Issue Resolution (Soft Skills)
• Basic Accounting Tasks (Hard Skills)

Job Summary:

• Auditing and verifying documents and following internal controls
• Understanding and monitoring loan documents to ensure compliance.
• Work directly with insurance agents and brokers for any deficient underwriting data, loan requirements, or customer service requests
• Review, analyze and underwrite new borrower proposals
• Prepare CCM’s and assist with loan closings. 
• Contribute to team effort and cross-training that includes ancillary work with one or more departments. 
• Follow the established process for new customer set up and credit investigation and establish credit limits within assigned limit level or refer for approval when outside established limit authority
• Assess and recommend new credit analysis practices that proactively identify and minimize risks.
• Create and maintain credit history files
• Respond to credit inquiries from external and internal clients
• Prepare weekly and monthly reports, including credit hold reports, bad debt reports, new credit application reports and account receivable summaries
• Analyze and assess the creditworthiness of both new accounts and credit limit increases of existing accounts using external credit risk management tools and reports based previous sales
• Identify bad debt or financial exposure to leadership
• Daily/weekly account status reporting

Skills on Resume: 

• Document Auditing (Hard Skills)
• Loan Compliance (Hard Skills)
• Insurance Coordination (Soft Skills)
• Proposal Underwriting (Hard Skills)
• Credit Investigation (Hard Skills)
• Risk Assessment (Hard Skills)
• Credit Reporting (Hard Skills)
• Account Analysis (Hard Skills)

Job Summary:

• Continually improve the credit application process by addressing causes of rejection, manual checking, and rework by developing and revising credit decision rules.
• Analyse performance information to identify trends at individual, store, and sales channel levels.
• Complete investigations of fraud patterns and trends and recommend corrective actions.
• Ensure fraud analysis and prevention at mature levels within the credit risk assessment process.
• Proactively identify, resolve, or escalate issues affecting the customer experience and lead improvement initiatives.
• Perform manual credit reviews of more complex matters utilizing 3rd Party tools to assess credit information for Consumer and Commercial applicants.
• Interpret Standard Credit Reports to make a risk-based decision to determine a customer’s ability to pay while adhering to quality and regulatory guidelines.
• Use initiative to access all available resources and knowledge bases for assistance.
• Ensure compliance to business process controls for Fraud Analysis and Credit Review.
• Gather data using standard reporting systems and tools.
• Understand the importance of compliance to required standards and the consequences of non-compliance.

Skills on Resume: 

• Credit Process Improvement (Hard Skills)
• Performance Trend Analysis (Hard Skills)
• Fraud Investigation (Hard Skills)
• Fraud Prevention (Hard Skills)
• Customer Experience Enhancement (Soft Skills)
• Complex Credit Reviews (Hard Skills)
• Risk-Based Decision Making (Hard Skills)
• Regulatory Compliance (Hard Skills)

Job Summary:

• Facilitate initiation and booking of deposit services in the Emerging Markets - MRB.
• Partner with RMs and other EWB sales Professionals in Treasury Management, Commercial Banking, Private Banking and other segments to acquire, expand and retain targeted client relationships (40% of the time)
• Work with Relationship Managers to produce and maintain presentations for external use with prospects, clients, service providers, and conferences and internal use for presentations to senior management, credit supervision, and regulators
• Working with Emerging Markets clients in conjunction with RMs, TMS Consultants, and branch staff to put in place optimal operating account structures
• For Deposit accounts related to credit facilities, work with RMs and Loan Operations to arrange the accounts to facilitate loan transactions
• Working with client and BSA and Compliance colleagues to obtain all appropriate documentation to clear prospective customers to open accounts at EWB
• Provide first-point-of-contact support for Deposit-related and other non-credit matters for Emerging Markets clients. 
• Act as an expert advisor for the clients and resolve client requests and/or issues independently
• Provide support to the team’s Relationship Managers and Portfolio Managers to monitor and maintain the Emerging Markets loan portfolio. 
• Reviewing and processing of loan advances, collecting and tracking the receipt of required financial reporting, the review and spreading of financial statements, updating and maintenance of covenant tracking reports and in some cases, performing due diligence and assisting in the underwriting of credit facilities (60% of the time).

Skills on Resume: 

• Client Relationship Management (Soft Skills)
• Treasury Management (Hard Skills)
• Deposit Services Coordination (Hard Skills)
• Presentation Development (Hard Skills)
• Compliance Documentation (Hard Skills)
• Loan Portfolio Monitoring (Hard Skills)
• Financial Reporting (Hard Skills)
• Issue Resolution (Soft Skills)

Job Summary:

• Support Relationship Manager on underwriting and prepare loan commitment memorandum for approval
• Assist with due diligence/analysis on new client relationships and opportunity memos as appropriate
• Able to demonstrate moderate to superior skills in financial statement spreading and the evaluation of projections
• Assist in accurately risk-rating loans/credits
• Evaluate both cash-flow and collateral-based loans/credits
• Performs all duties of complex routine administrative upkeep of portfolios for Relationship Manager
• Understand credit policy and procedures
• Demonstrate sales skills as it relates to identifying new sales and service opportunities in supported portfolios
• Deal with all areas of the bank and all customer types to accomplish the needs of clients
• Maintain databases and results tracking to support Emerging Market’s business to both internal and external constituencies
• Work with the Relationship Managers and or Managing Director of Emerging Markets to determine the optimal format for presenting complex data/trends for internal meetings or speaking engagements
• Work with RMs and EWB Marketing to produce appropriate presentations for various audiences of prospects, clients, and service providers

Skills on Resume: 

• Loan Underwriting (Hard Skills)
• Due Diligence Analysis (Hard Skills)
• Financial Statement Spreading (Hard Skills)
• Risk Rating (Hard Skills)
• Cash Flow Evaluation (Hard Skills)
• Collateral Assessment (Hard Skills)
• Sales and Service Opportunities (Soft Skills)
• Presentation Development (Soft Skills)

Job Summary:

• Need to interact with the origination team to understand pipeline and structure transactions in accordance with a borrower's individual requests
• Carry out quantitative and qualitative credit analysis using tailored and standardized in-house built tools as well as lead due diligence of borrowers
• Ultimately responsible for the financial modeling of transactions, working with analysts to create sensitivity scenarios, and analyzing credit ratios under a variety of different capital structures
• Lead meetings with borrowers' management teams
• Help manage the subsequent execution process and timeline until the transaction close
• Contribute to building in-house analytical tools and devise ways to continuously improve the underwriting process
• Negotiate terms with the borrower towards the production of a term sheet
• Identifies potential credit risks associated with new and existing commercial borrowers through the financial analysis process and works collaboratively with the Commercial Lenders to mitigate these risks.
• Works collaboratively with commercial lenders to provide an independent analysis of commercial borrowers in the identification and mitigation of potential credit risks involving to a thorough financial analysis, projecting cash flow and collateral evaluations
• Provides independent input in the process of risk rating commercial borrowers
• Responsible for annual review date tracking for commercial customers

Skills on Resume: 

• Transaction Structuring (Hard Skills)
• Credit Analysis (Hard Skills)
• Financial Modeling (Hard Skills)
• Due Diligence (Hard Skills)
• Risk Assessment (Hard Skills)
• Negotiation (Soft Skills)
• Analytical Tool Development (Hard Skills)
• Risk Mitigation (Hard Skills)

Job Summary:

• Distribute reviews to lenders and monitor follow-up needed based on results of the assessment of the third-party loan review vendor
• Responsible for accurately completing credit analysis with basic levels of complexity
• Assists in the compilation of various reports for the Loan Committee and the weekly distribution of the Loan Committee packages
• Perform detailed credit assessment on a portfolio of insurance firms and produce accurate publications to go alongside the credit decisions
• Interact with various senior stakeholders within Insurance and Reinsurance firms, attending meetings alongside senior colleagues to obtain information to assess credit decisions
• Continuous surveillance of portfolios to identify key trends
• Present analysis to committees and participate in other committees to discuss other analysts work
• Take part in the writing of external presentations and reports to focus on key trends and market issues
• Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations
• Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.

Skills on Resume: 

• Credit Analysis (Hard Skills)
• Report Compilation (Hard Skills)
• Stakeholder Interaction (Soft Skills)
• Portfolio Surveillance (Hard Skills)
• Presentation Skills (Soft Skills)
• Trend Identification (Hard Skills)
• Economic Knowledge (Hard Skills)
• Financial Data Analysis (Hard Skills)

Job Summary:

• Perform regular loan reviews based on risk and/or size of all credit types (commercial, consumer, residential, agricultural, etc)
• Ensure acceptable credit standards are maintained – confirming lien position perfection, repayment capacity, etc
• Verify that required loan, collateral, entity, etc documents have been obtained
• Evaluate the compliance to policies and procedures
• Perform collateral evaluation
• Validate/Assign risk grades appropriate for the risk profile of the relationship
• Identification of problem loan credits
• Recommend action plans for issues noted in the review
• Review the activities of loan officers, ensuring compliance with lending policies and bank regulations, the quality of loan approval, monitoring, and risk grading valuation.
• Help further the loan review risk assessment program
• Assist in gathering information requested by examiners/auditors during bank examinations
• Complete FHLB reviews per the guidance in the MPP
• Oversee the appraisal ordering process

Skills on Resume: 

• Credit Review Analysis (Hard Skills)
• Collateral Evaluation (Hard Skills)
• Compliance Monitoring (Hard Skills)
• Risk Grading (Hard Skills)
• Document Verification (Hard Skills)
• Loan Problem Identification (Hard Skills)
• Action Plan Recommendation (Hard Skills)
• Regulatory Compliance (Hard Skills)

Job Summary:

• Complete spreads on business entities and individuals to summarize financial condition, performance, cash flow, trends, projections and risks
• Complete credit memorandums used in the loan approval process
• Assist Loan Officers in completing reports used by senior management in the loan monitoring and decision-making process
• Gather, examine and present information in a concise and meaningful manner and offer thoughts concerning credit-worthiness and loan structure
• Prepare various forms and reports to request external reports (appraisals, environmental assessments) and address internal issues
• Contact bank customers to gather information, follow up on required items and monitor credits
• Play a key role in portfolio strategy and direction relating to new and existing products, policies, and other strategic decisions
• Drive insights and design, develop and implement strategies for new customer acquisitions
• Deep dive into trend analysis to understand the Impairment and Provisioning data and produce insights on the same
• Actively work with internal teams and identify work-flow enhancements to reduce/eliminate manual steps, dependency on people and handoffs
• Develop key metrics to improve business needs/requirements
• Defining and implementing new process workflow.

Skills on Resume: 

• Financial Analysis (Hard Skills)
• Credit Memorandums (Hard Skills)
• Report Preparation (Hard Skills)
• Information Presentation (Soft Skills)
• Customer Communication (Soft Skills)
• Portfolio Strategy (Hard Skills)
• Trend Analysis (Hard Skills)
• Process Improvement (Hard Skills)

Job Summary:

• Support Finance by providing portfolio and product MI to enhance the impairment model (analytics)
• Support the stress testing assumptions process (Credit Risk) (Analytics)
• Support the IFRS9 transition (Analytics)
• Provide portfolio and product to help inform the Director of Credit & Underwriting of the need to propose changes to Policy (Analytics)
• Work with Credit & Underwriting in refining the lending parameters of future product lines
• Review impacts of new lending products on the portfolio (Analytics)
• Analysis & Regular oversight of any Lending Product MI produced from external sources of product supplies.
• Daily management, monitoring & collation of MI from external lending partners.
• Support specific provisioning decision process (New Product Lending)
• Review the analysis against economic considerations to provide recommendations to support credit policy and strategic direction
• Initiate deep dives into the core lending and product portfolios to review specific segments of those portfolios.
• Identify issues and opportunities through the data by using cutting-edge analytical techniques to explore opportunities and understand performance triggers

Skills on Resume: 

• Portfolio Analysis (Hard Skills)
• Stress Testing (Hard Skills)
• IFRS9 Transition (Hard Skills)
• Credit Risk Assessment (Hard Skills)
• Product Impact Review (Hard Skills)
• Data Analytics (Hard Skills)
• MI Management (Hard Skills)
• Provisioning Support (Hard Skills)

Job Summary:

• Spreads financial statements and performs cash flow and collateral analysis of prospective lending commitments.
• Actively participates in loan portfolio management including covenant monitoring and loan review preparation.
• Interacts with credit administration, lending personnel, loan servicing, and the appraisal and legal departments regarding credit-related issues.
• Assist with the analysis and preparation of supplemental data used in management reporting.
• Assist with administrative functions in Sageworks including management reporting.
• Keeps informed of changes in economic and/or market conditions that may affect credit risk and develops recommendations for consideration.
• Demonstrates ability to meet tight timelines as well as the capacity to work independently and be self-directed as necessary.
• Completes all required regulatory training within deadlines established including BSA, Bank Security and any other training, within required timeframes and on an annual basis.
• Effectively manage credit-related support requests at the leadership level within the finance
• Contribute and participate on global credit calls to help drive global alignment and sharing of best practices in collaboration with GPO as well

Skills on Resume: 

• Financial Analysis (Hard Skills)
• Cash Flow Analysis (Hard Skills)
• Covenant Monitoring (Hard Skills)
• Loan Portfolio Management (Hard Skills)
• Credit Risk Assessment (Hard Skills)
• Regulatory Compliance (Hard Skills)
• Global Credit Coordination (Soft Skills)
• Administrative Support (Soft Skills)

Job Summary:

• Fundamental credit analysis of approved and proposed financial sector names through due diligence, sector and issuer research. 
• Develop and conduct proprietary analysis, draft compelling written recommendations and present them before the Credit Committee. 
• Prepare written reports for new initiations, annual credit reviews, sector overviews, and other updates
• Will eventually act as lead on specific domestic and international financial institution issuers, will vote in the Credit Committee on strategies affecting all sectors, and will draft ad hoc thought leadership reports over time.
• Ongoing surveillance of financial metrics, market signals and other factors by leveraging internally developed risk management models.
• Continual cycle surveillance using pre-established markers.
• Encouraged to recommend enhancements to analytical tools and proprietary products.
• Interacted with portfolio managers and the Credit Research and Risk Management team to determine appropriate issuers for inclusion in lists, hold codes, and concentration limits.
• Draft credit market and/or macroeconomic analyses on a weekly, monthly and quarterly basis.
• Prepare exposure reports used to monitor the firm’s investments.
• Attend industry conferences

Skills on Resume: 

• Credit Analysis (Hard Skills)
• Due Diligence (Hard Skills)
• Sector Research (Hard Skills)
• Report Writing (Hard Skills)
• Presentation Skills (Soft Skills)
• Risk Management (Hard Skills)
• Market Surveillance (Hard Skills)
• Analytical Enhancement (Hard Skills)

Job Summary:

• Reviews and analyses corporate and financial data to quantify and estimate the degree of risk associated with the extension of credit to both existing and prospective loan customers of the Bank.
• Perform the analysis and structuring of ISP credits and corporate transactions (i.e. provides input on issues such as alternative financing solutions, collateral, facilities required and credit limits admissible according to prevailing credit policies, directives and in line with the risk appetite of the bank)
• Make credit decisions or prepare requests for credit decisions by a higher approval level
• Provide professional advice and assistance to Relationship Managers for credit-related matters and products
• Perform limit reviews, assess waiver requests, monitor credit positions under responsibility, identify risk increases in the portfolio and initiate appropriate measures to minimize them
• Liaise with relevant stakeholders within ISP group such as relationship managers, structuring team, finance/treasury, local management, legal, functional management and other credit risk management teams within the group
• Perform analysis of a current/forward year base forecast performance expectation and assessment of balance sheet strength, alongside cash flow and profitability vulnerability, via ratio analysis and/or stress testing 
• Contribute to the development, improvement, and implementation of best practices, guidelines, procedures
• Assist senior colleagues in providing analytical, research and other professional support
• Prepares reports which are provided to the Chief Financial Officer and utilized to assist in the preparation of the Bank Call Report.
• Tracking of lending policy exceptions and participating loan volume on a quarterly basis.
• Completion of reports that assist in the year-end audit, specific to interest income and non-accrual loans (for tax purposes).
• Complies with all corporate policies, procedures and federal regulations including BSA/AML and OFAC.

Skills on Resume: 

• Risk Assessment (Hard Skills)
• Credit Structuring (Hard Skills)
• Decision Making (Soft Skills)
• Portfolio Monitoring (Hard Skills)
• Stakeholder Liaison (Soft Skills)
• Financial Analysis (Hard Skills)
• Best Practices Development (Hard Skills)
• Regulatory Compliance (Hard Skills)

Job Summary:

• Create financial historical spreads and Pro-forma cash flows. 
• Prepares spreadsheets, reports, summaries, and opinions for financial officers on new, renewal and existing loans
• Verify that loans will meet the required underwriting criteria for a requested loan product
• Perform credit inquiries and analyze credit reports
• Analyze loan data on new, renewal and existing loans
• Assemble loan presentation packages for the loan committee
• Attend and participate in loan committees
• Maintain loan committee minutes and submit a monthly report to the Board of Directors
• Monitor loan policy exceptions and provide data for reporting to the Board of Directors
• Provide technical advice and assistance to loan officers
• Provide backup assistance to other loan officers

Skills on Resume: 

• Financial Spreadsheets (Hard Skills)
• Pro-Forma Analysis (Hard Skills)
• Credit Report Analysis (Hard Skills)
• Loan Data Analysis (Hard Skills)
• Loan Presentation (Hard Skills)
• Committee Participation (Soft Skills)
• Policy Monitoring (Hard Skills)
• Technical Assistance (Soft Skills)