JOB SUMMARY:
Responsible for the evaluation, structuring, and preparation of Credit Authorizations of proposed and existing C & I Credit facilities in the amount of $1,000,000 to $25,000,000. Position requires an established working knowledge of the technical/analytical aspects of commercial loan underwriting including the evaluation of (i) cash flow, income statement and balance sheet financial analysis, collateral quality, asset based lending (ii) and financial analysis of and management capacity of individual and corporate guarantors, and (iii) market/industry trends & risk and (iv) knowledge of loan participation/syndications. Assists Relationship Managers as well as related Departments in developing, recommending, implementing, and monitoring the loan portfolio, and manage risk consistent with the Bank’s underwriting standards.
PRINCIPAL DUTIES & RESPONSIBILITIES:
Preparation of Pre-Screen reports of prospective borrowers and guarantors.
Prepares and completes Credit Approval Reports for submission to Credit Administration, including loan summary, credit analysis of applicant, and applicable backup data.
Prepares other written reports as required as part of the loan relationship management.
Manages the process, as required, to ensure timely loan closings.
Manage and maintain loan portfolio and ensure timely modification, extension, renewal, as necessary.
Develops and maintains good relationships with Relationship Manager, Credit Analyst & Customers.
Maintains current knowledge of the Bank’s loan policies and Risk Rating System.
Provides assistance and training of junior loan officers within the department in coordination with the department team leader/Regional Manager.
Performs duties/special projects, as necessary, and other related duties of which the above are representative.