Credit Analyst II

2 weeks ago

Tampa, United States Amerantbank Full time
Job DescriptionJob Description

Responsible for providing a sound, independent and objective assessment and recommendation on risk factors associated with large, complex structures & transactions related to Commercial and Industrial (C&I) & Corporate Enterprises. This position will also assist in the credit risk management and maintenance of credit quality for the respective assigned portfolio by monitoring relationship trends, clearing of exceptions, properly assessing and evaluating credit risk and other key factors, and providing recommendations and credit solutions which are appropriate to the relationship risk profile.

Responsibilities:

  • Spread financial statements in spreading software, prepare comprehensive analysis, and credit approval package according to Bank credit programs and policy.
  • Accurately review and measure the financial condition and operating performance of commercial and corporate enterprises for new loan exposures, existing loan exposures, increases, and modifications of terms/conditions.
  • Provide an independent and objective assessment of risk factors associated with revolving lines of credit, trade financing, asset-based facilities, owner-occupied loans, including income producing properties for private or publicly traded business enterprises, and other specialized loan structures within the Bank's credit policies, and make recommendations on conditions/covenants relating to loan structure to adequately assess the risk involved in the proposed facilities.
  • Ability to meet the requirement of completing at a minimum one large & complex financial analysis per week with a high degree of accuracy in terms of figures and credit risk assessment, with minimum supervision. Responsibility will also include the proper identification of loan policy exceptions and identification of industry/loan structure specific risks/issues with appropriate mitigating factors.
  • Interact with Relationship Managers [RM] to enhance the quality of information for underwriting purposes. Acts as a consultant to business lines regarding credit issues, processes and procedures.
  • Functions as a resource for business lines and works with senior management on various issues, as needed.
  • Back up function for other operational roles performed in the department, as required by supervisor.
  • Assist in the training process of new credit analysts and/or interns. Specifically, assist the trainees in the following: adopting the operating procedures of the department, the various formats used, and credit criteria applied to the different types of analysis.
  • Ability to identify, evaluate, monitor and make any recommendation deemed necessary to the supervisor in order to assess, reduce, eliminate or control any current or prospective risks to earnings or capital arising from violations of, or nonconformance with, laws, rules, regulations, prescribed practices, internal policies and procedures or ethical standards.
  • Ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to BSA, USA Patriot Act, OFAC and other AML related issues.
  • Participation in various appointed committees and/or outside organizations, representing both the Credit Services Unit and Bank.
  • Assist in the loan structuring process and review of legal covenants in conformity with the Bank’s policies and procedures. This also includes assisting Head of Segments and Relationship Managers in collaborating with other bank units such as Credit Administration, Loan Operations, Credit Services, Closing areas, and Credit Risk.
  • Collaborate with Portfolio Management in the administration, monitoring, and renewal of upcoming maturities in a timely manner, processing of modifications, risk rating process (CARs), exceptions, covenants, as well as assisting in the identifying any "red flags" or problems within the portfolio.
  • Conduct analysis/underwriting and assist portfolio managers functions, as needed. Provide support on new business activities by screening preliminary data and follow up in obtaining required documentation and conformity to credit underwriting policy of the Bank. Assist in the preparation of documentation, memos, and/or presentations (i.e. Term Sheet, PowerPoint presentations, etc.) as needed for the Relationship Manager.
  • Operate the software systems for loan originations, modifications, annual reviews, and other presentations to senior management.
  • Conduct annual review of existing credit relationships; recommend changes in risk rating as deemed appropriate. This includes calculating covenant testing requirements as needed. Identify, track and monitor loan policy exceptions, review credits with loan covenants and verify compliance.
  • Monitor the assigned portfolio for adherence to Bank policies relative to credit, collateral, and documentation exceptions. Recommended appropriate actions, if necessary.
  • Conduct project site visits/inspections and report findings, as needed.
  • Attend seminars and training sessions to keep abreast of changing regulations, as well as industry/market trends and conditions.

Minimum Education and/or Certifications Requirements:

Bachelor’s degree in business, accounting or finance required. Master’s degree preferred OR 3+ years of commercial credit analysis experience in lieu of education. Formal credit training required.

Minimum Work Experience Requirements:

5+ years of professional experience in lending and/or credit analysis. Knowledgeable of banking products and documentation.

Technical and/or Other Essential Knowledge:

Thorough understanding of the Bank’s credit procedures, programs and policy. Accounting and credit principles. Proficiency in Microsoft Suite is required. Salesforce, nCino, FIS IBS experience is a plus. Sound time management and organizational skills required. Well organized and systematic. Must possess strong communication skills.

  • Credit Analyst II

    3 days ago

    Tampa, United States Amerant Bank Full time

    Responsible for providing a sound, independent and objective assessment and recommendation on risk factors associated with large, complex structures & transactions related to Commercial and Industrial (C&I) & Corporate Enterprises. This position will also assist in the credit risk management and maintenance of credit quality for the respective assigned...

  • Credit Analyst II

    3 weeks ago

    Tampa, United States Amerant Bank Full time

     Responsible for providing a sound, independent and objective assessment and recommendation on risk factors associated with large, complex structures & transactions related to Commercial and Industrial (C&I) & Corporate Enterprises. This position will also assist in the credit risk management and maintenance of credit quality for the respective assigned...

  • Credit Collections Analyst

    6 days ago

    Tampa, United States Kelly Services, Inc. Full time

    #x 9; Evaluates accounts on hold, releases held orders and evaluates past due to reduce the risk of bad debt write-off s by contacting customers to secure payment/follow up on overdue balances/resolves issues, and maintain detailed files on all past Collections Analyst, Collections, Analyst, Credit, Staffing, Technology

  • Credit Collections Analyst

    5 days ago

    Tampa, United States Kelly Services, Inc. Full time

    #x 9; Evaluates accounts on hold, releases held orders and evaluates past due to reduce the risk of bad debt write-off s by contacting customers to secure payment/follow up on overdue balances/resolves issues, and maintain detailed files on all past Collections Analyst, Collections, Analyst, Credit, Staffing, Technology

  • Small Business Credit Analyst

    2 weeks ago

    Tampa, United States SNI Companies Full time

    SMALL BUSINESS CREDIT ANALYST - TAMPA, FLA. - HYBRID - 5 YEARS EXP - SALARY $55K-$80k DOEThe Small Business Credit Analyst assists members and reviews applications for Member Business loan requests under $250,000.00. This individual refers small business loans for SBA lending to an SBA processor and follows up with the processor for approvals and loan...

  • Small Business Credit Analyst

    4 weeks ago

    Tampa, United States SNI Companies Full time

    SMALL BUSINESS CREDIT ANALYST - TAMPA, FLA. - HYBRID - 5 YEARS EXP - SALARY $55K-$80k DOEThe Small Business Credit Analyst assists members and reviews applications for Member Business loan requests under $250,000.00. This individual refers small business loans for SBA lending to an SBA processor and follows up with the processor for approvals and loan...

  • Small Business Credit Analyst

    3 weeks ago

    Tampa, United States SNI Companies Full time

    SMALL BUSINESS CREDIT ANALYST - TAMPA, FLA. - HYBRID - 5 YEARS EXP - SALARY $55K-$80k DOEThe Small Business Credit Analyst assists members and reviews applications for Member Business loan requests under $250,000.00. This individual refers small business loans for SBA lending to an SBA processor and follows up with the processor for approvals and loan...

  • AML Analyst I

    2 weeks ago

    Tampa, United States Suncoast Credit Union Full time

    Pay Transparency: $22.50 - $32.00 hourly based on experience and credentials Location Type: Remote Position Type: Full Time The AML (Anti Money Laundering) Analyst investigates suspicious activity on members accounts in compliance with the Bank Secr Analyst, Compliance Specialist, Technology, Banking, Benefits

  • Credit & Collections Analyst

    7 days ago

    Tampa, United States AVI-SPL Full time

    Description: Job Summary Accurately manage assigned segment of accounts while maintaining timely and professional communication with internal and external customers regarding the status and payment of open items. Meet or exceed collection goals on a weekly and monthly basis. Essential Duties and Responsibilities Maintain accurate and reliable notes in aging...

  • Treasury Management Sales Analyst

    4 days ago

    Tampa, United States Bank Of Tampa Full time

    The goal of the Treasury Management Sales Analyst is to provide strategic sales support to our Treasury Management sales teams in delivering non-credit commercial products and services to clients. Brings a solutions-oriented perspective to internal a Sales Analyst, Treasury, Sales, Management, Relationship Manager, Client Service, Banking, Business Services

  • SBA Credit Analyst/Underwriter/ Small Loan

    4 weeks ago

    Tampa, United States SVI Recruiting Group Full time

    Job DescriptionJob DescriptionOur client, a Top 25 SBA Banking Team is looking to add an SBA Underwriter to join our dynamic and growing team. You will be reviewing SBA 7A applications for our small loan (Loans Under $500K) and SBA express products. Your responsibilities include reviewing applications against an approval checklist by product type, completing...

  • SBA Credit Analyst/Underwriter/ Small Loan

    3 weeks ago

    Tampa, United States SVI Recruiting Group Full time

    Our client, a Top 25 SBA Banking Team is looking to add an SBA Underwriter to join our dynamic and growing team. You will be reviewing SBA 7A applications for our small loan (Loans Under $500K) and SBA express products. Your responsibilities include reviewing applications against an approval checklist by product type, completing initial eligibility analysis,...

  • Payroll Analyst

    2 weeks ago

    Tampa, United States TECO Energy Full time

    Title: Payroll Analyst (Varies) Company: Tampa Electric Company State and City: Florida - TampaShift: 8 Hr. X 5 Days POSITION CONCEPTThe Payroll Analyst I will ensure payroll is processed accurately and on time for multiple affiliates, remittances to Retirement plans and federal and state tax programs. Assist with the biweekly processing of pay, and...

  • Compliance Analyst

    3 weeks ago

    Tampa, United States Best Employment SoluTions, LLC Full time

    The position requires increasing skills and responsibilities in the administration, analysis, development and oversight of internal programs and processes to ensure compliance with the North American Electric Reliability Corporation (NERC) PRIMARY DUTIES AND RESPONSIBILITIES 1. Maintenance of compliance systems and processes used to oversee compliance with...

  • Environmental Specialist Ii

    4 days ago

    Tampa, United States The State of Florida Full time

    Requisition No: 829135 Agency: Department of Health Working Title: ENVIRONMENTAL SPECIALIST II - 64051902 Pay Plan: Career Service Position Number: 64051902 **Salary**: $42,557.59 - $46,813.35 Posting Closing Date: 05/28/2024 **Total Compensation Estimator **Tool** **DEPARTMENT OF HEALTH - HILLSBOROUGH** **Environmental Health** **1105 East Kennedy...

  • Fuego Payment Analyst

    3 weeks ago

    Tampa, United States Fourth Full time

    The Fuego Payment Analyst is responsible for managing the payment activity process for Fuego , Fourth's Earned Wage Access solution. Duties include timely collection and repayment, resolving outstanding balances, and coordinating with sales to assess client credit profiles. The Role. . . Utilizes internal and external settlement systems and data to...

  • Business Banking Relationship Mgr. II

    3 days ago

    Tampa, United States Fifth Third Full time

    Make banking a Fifth Third better We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank. GENERAL FUNCTION: Responsible for business development, relationship management and client experience of companies with annual gross sales of at least $2MM and generally less than $10MM....

  • Transaction Services Analyst

    4 weeks ago

    Tampa, United States tangensis Full time

    Hi Hope you are doing well Please find the job description below and let me know if you're interested If you are interested please reply me with your Updated Resume . Title Transaction Services Analyst Position Type Contract Location Tampa FLKey Responsibilities Provide transactional processing support for Trade Services Unit Maker role for...

  • Transaction Services Analyst

    4 weeks ago

    Tampa, Florida, United States tangensis Full time

    Hi Hope you are doing well Please find the job description below and let me know if you're interested If you are interested please reply me with your Updated Resume . Title Transaction Services Analyst Position Type Contract Location Tampa FLKey Responsibilities Provide transactional processing support for Trade Services Unit Maker role for transactional...

  • IT Analyst 2

    2 weeks ago

    Tampa, United States Tampa General Hospital Full time

    Department Profile TGH Information Technologies invests over $100 million annually on technology and services. Over 75 percent of the department's team members hold professional certification in technology and IT-related functions. Tampa General has earned numerous awards for health information technology, including the prestigious "HIMSS Stage 7 Award"...