Provides underwriting and credit risk analysis for all types of new and renewal business banking loans at the direction of designated Business Banking Relationship Managers and Credit Officers at assigned location(s). Ensures accurate analysis and responsive turn around times that satisfy quality service standards. Prepares financial spreadsheets, semi-annual and annual updates of financial statements received from customers. Provides and assists in the underwriting and analysis of new loans and renewal requests. Makes recommendations for loan structure. Prepares loan presentations for credit approvals under the direction of Commercial Lenders and Credit Officers. May meet with and interviewing customers to develop a strong understanding of the loan request and the business relationship ensures the accuracy and completeness of financial information received for loan renewals. Under the direction of Business Banking Relationship Managers and Credit Officers, follows-up to ensure receipt of requested information needed to complete the application and loan request process. Reviews business or personal TRW credit reports and loan agreements in accordance with loan approvals under the direction of Business Banking Relationship Managers and Credit Officers. Prepares renewal letters for maturing loans within established notification period. Reviews file to ensure all pertinent information and financial documents relating to the existing loan relationship are up-to-date. Tracks compliance on loan agreements; notifies of possible violations; generates monthly report. Takes advantage of opportunities to cross-sell. Provides support and assistance with research requests as needed. Is familiar and complies with applicable company policies and all banking regulations including, but not limited to BSA, USA Patriot/CIP requirements, AML and other regulations. Other duties as assigned.
Qualifications
Requires a Bachelor's in finance, business, accounting or a related field and some credit/financial analysis, lending, underwriting or other directly related experience. Basic knowledge of financial and spread analysis, credit, lending and underwriting processes and principles. Some experience working with various types of loans. Ability to work with lending officers and staff. Good communication skills, both verbal and written. Ability to make sound decisions and recommendations regarding loans. Working knowledge of computer software programs including spreadsheets, word processing,etc. required.
Organization
Vectra Bank Colorado
Work Locations
CO - Colorado Blvd
1650 S. Colorado Blvd
Denver
80222
Zions Bancorporation - 13 months ago
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