Underwriting/credit analysis of prospective programs and renewals, including those related to financial services and credit union industry. Analyze historical financial statements and projections, determine risks and mitigants, outline the background of the Borrower and conduct industry and competitive analysis. Utilize models to evaluate the strength of borrower’s cash flow and its ability to provide for primary and secondary sources of repayment, as well as models to assess refinance risk. For transaction involving individual guarantors, underwrite their financial strength, including the analysis of personal financial statements and personal/corporate tax returns.
Perform business and financial analysis needed for amendments, extensions and covenant waivers. Provide general review of the overall bank relationship with the customer, perform trend analysis and covenant compliance calculations. Provide recommendations for risk ratings to be communicated to BDOs, risk management and other internal teams. On as needed basis, assist with amendments and preparation/review of documents. Assist in completing annual reviews of the commercial portfolio.
Complete analysis related to depository and non-lending customers. Understand bank's policy in regard to ACH, RDC and other non-lending transactions. Work closely with Deposit Production and Deposition Operations teams, Ohio teams and Risk management in formulating and implementing guidelines in managing risks related to cash management.
Complete financial analysis of vendors. Perform credit analysis and annual reviews of companies and financial institutions with which NCB has CRA- or Mission-related relationship. Assist with preparation of Mission related reports.
Special Projects/Other: Provide portfolio and industry analysis as necessary and other tasks as requested by the manager.
If you would like to apply for this position, please submit your resume to email@example.com .
- A bachelor’s degree in a business related field (accounting, finance, etc.)
- 2-4 years of prior credit analysis experience at a banking institution
- Successful completion of a formal credit training program
- Small Business Association (SBA) and financial services industry experience is a plus
- The candidate should be familiar with the workings of balance sheets, income statements and cash flow statements, completion of a formalized credit training program is a plus.
NCB Financial Group - 17 months ago