Summary The teammate is responsible for analyzing complex financial information and cash flow of existing and potential borrowing clients for purposes of approving or denying a loan request, presenting information in comprehensive documents with relevant financial data and narrative. The teammate is expected to act in a professional manner and within the accepted standards and practices of the industry, as well as within the Bank's Culture of Excellence.

Essential Functions

• Analyze the financial condition and cash flow of borrowers; analysis to include identification of trends in financial ratios, analysis of balance sheet and income statement changes and trends, guarantor analysis and collateral analysis
• financial statements into a common size spreadsheet utilizing financial spreading software
• Present findings in comprehensive credit approval documents which outline the loan request and the financial condition of the borrower, including relevant financial data and narrative
• Communicate with lenders and/or borrowers to obtain necessary information regarding the borrower
• Assist lenders with structuring/underwriting loans
• Assist Credit Operations Specialist as needed with updating borrower financial statement requirements and covenant requirements in tracking software
• Assist Credit Underwriting Associate as they prepare financial statement spreads on behalf of the Credit Officer and under their supervision
• Ensure Bank's loan policies are being followed, citing exceptions where needed
• Maintain expertise in new and changing bank underwriting policies and regulatory guidelines
• Perform quality control review of imaged documents

Required Education, Experience and Skills

• College degree in accounting, finance, economics or business; a minimum of 6 hours of college-level accounting coursework required, including intermediate financial accounting
• Minimum of 2-5 years of experience in credit analysis at a bank with assets of $1 billion or more; experience analyzing complex CandI borrowers with deal and/or relationship size between $2 million and $20 million
• Exceptional ability to analyze and interpret all types of financial statements, formulate conclusions, and present findings in a narrative credit analysis
• Experience analyzing borrowing base certificates and underlying assets comprising the certificate to determine if borrower is in compliance
• Demonstrated ability to create, interpret and test borrower loan coven
• Proven verbal and written communication skills, including the ability to convey information about a borrower's financial status in commonly understood terms
• Demonstrated ability to think critically, make well-reasoned assumptions and solve problems
• Experience with and strong working knowledge of standard computer applications, especially Word, Excel and Adobe Acrobat
• High degree of accuracy and attention to detail
• Strong initiative and ability to manage multiple lender requests, organizing and prioritizing tasks as appropriate; ability to work independently and meet deadlines
• Demonstrated ability to work effectively with diverse individuals and work styles, including lending staff