Provide a high level of customer service support for commercial and consumer loans. This includes assisting lenders with ongoing management of loan portfolio and analyzing/underwriting new and existing loans through analysis of borrower's credit history and financial performance.
ESSENTIAL DUTIES:
- Obtains loan request information from commercial lender or borrower to prepare cash flow analysis, analyze credit information, financial statements, tax returns and other related information pertaining to the loan.
- Researches background documentation and reviews personal and business financial statements and tax returns. Analyzes financial information and communicates with the Loan Officers throughout the process.
- Reviews and prepares written analysis, spreadsheets, summary and opinion for each loan request or review.
- Assists commercial loan officers in loan structuring and loan decision process. Identifies and communicates points of exposure on current loans, as well as possible solutions.
- Accompanies commercial loan officers on customer calls as needed/directed.
- Presents loan applications for review.
- Updates credit files and financial spreads on an ongoing basis.
- Attend loan committee meetings.
- Work with the CLO on special projects as assigned and to manage department workflow.
- Update credit files and financial spreads on an ongoing basis
- Additional duties as assigned.
QUALIFICATIONS:
- Strong knowledge of basic banking products, commercial lending products, and ability to match solutions with the borrowers.
- Knowledge of Commercial Real Estate lending cash flows and financial ratios
- Experience in analyzing the following: personal and corporate tax returns, Rent Rolls, Personal and Corporate Financial Statements
- Learning and training on Core System and other related sub-systems in order to generate reports and analysis regarding existing loan portfolios, current productions, and other related portfolio/credit reporting.
- Well-versed in preparing financial spreads for use in loan presentations.
- Various loan related duties as needed.
- Prefer a minimum of 3 years previous commercial loan and underwriting experience in a commercial bank.
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