SUMMARY: The senior credit analyst, in a larger exposure underwriting role, has a critically important function to review and process transactions within their authority of $400k and present transactions for total exposures exceeding $400k to senior management across all verticals.
DUTIES AND RESPONSIBILITIES:
· Review applications for accuracy
· Obtain & analyze public and private information such as Dun & Bradstreet reports, Paynet reports, Secretary of State corporate name verifications, Safer reports, Credit Bureau reports etc.
· Call, fax or email for bank and credit references
· Review and spread financials/tax returns to provide formative analysis regarding performance and trends.
Familiarity with Moody’s Financial/Risk Analysis is important to assist with underwriting analysis.
· Communicate with “clients” (vendors, dealers, brokers, customers etc.) in a professional manner via phone or email
· Travel, from time to time, to meet with clients
· Research industries, markets and equipment as necessary
· Underwrite and decision transactions within credit authority to $400k
· Underwrite and present transactions that exceed $400k to senior management and credit committee
· Interact with peers, via phone or email to support company initiatives
· Performs other related duties as assigned by management QUALIFICATIONS:
· 4 year Bachelor’s degree required with a major in finance or management preferred
· Minimum 5 years of commercial underwriting experience COMPETENCIES:
· Diversity
– Shows respect and sensitivity for cultural differences.
· Ethics
– Treats people with respect.
· Adaptability
– Adapts to changes in the work environment
· Analytical
– Collects and researches data.
· Attendance/Punctuality
– Is consistently at work and on time.
Ensures work responsibilities are covered when absent.
· Customer Service
– Responds promptly to customer needs.
· Dependability
– Follows instructions, responds to management direction.
Takes responsibility for own actions.
· Oral Communication
– Speaks clearly and persuasively in positive or negative situations.
· Organizational Support
– Follows policies and procedures.
Completes administrative tasks correctly and on time.
· Planning/Organizing
– Prioritizes and plans work activities.
Uses time efficiently.
· Problem Solving
– Identifies and resolves problems in a timely manner.
· Professionalism
– Approaches others in a tactful manner.
· Quality
– Demonstrates accuracy and thoroughness.
· Quantity
– Completes work in timely manner.
· Safety and Security
– Observes safety and security procedures.
· Teamwork
– Balances team and individual responsibilities.
· Written Communication
– Writes clearly and informatively.
PHYSICAL DEMANDS AND WORK ENVIRONMENT: Occasionally required to stand and walk
· Frequently required to sit Continually required to utilize hand and finger dexterity Frequently required to talk or hear While performing the duties of this job, the noise level in the work environment is usually quiet The employee must occasionally lift and /or move 10 pounds Specific vision abilities required by this job include: Close vision