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Lead Credit Analyst

2 months ago

Atlanta, Georgia, United States The Ladders Full time
Benefits Overview

A career at The Ladders can offer you the opportunity to make a personal impact on the people and communities where we do business. When you choose a career with The Ladders, you make a difference by standing for something that matters. In order to be the best, we hire the best.

Remarkable Benefits Offered by The Ladders
  • Careers with a purpose. Stand for something
  • Time-Off Packages, boasting over 15 days of vacation, 10 paid sick days and 11 paid holidays
  • Competitive Compensation & Incentive
  • Hybrid work model: flexible arrangements for most positions
  • Benefits Packages, including Medical, Dental and Vision coverage, Disability, AD&D, and Life Insurance
  • Robust associate training and development with The Ladders University
  • Tuition reimbursement for higher education up to 10K per year
  • Outstanding 401k: up to 6% matching and additional 3% non-elective contribution
  • Community Impact: United Way Angel Day, Volunteer Day and Associate Directed Contribution
  • Associate Resource Groups: creating a culture of diversity and inclusion
  • Recognize a fellow associate through our GEM awards
Job Description

This is an exciting and challenging opportunity to be a vital cash flow underwriting and credit resource within the constantly evolving Digital Infrastructure sector. This role supports a seasoned and diverse sales team responsible for expanding The Ladders' highly profitable Digital Infrastructure portfolio through high-profile, highly structured cash flow transactions to a diverse set of companies within a dynamic industry that includes fiber transport, data centers, wireless, broadband, cable, competitive fiber, and traditional phone providers. We are looking for a highly engaged, self-motivated team player that is able to identify key transaction risks, exercise sound credit judgment, and help develop unique financing and structuring solutions for a diverse customer base.

Functions as the technical credit expert and advisor within the Digital Infrastructure Banking Group. Understands, articulates, and implements best practices related to the Digital Infrastructure industry. Analyzes the current, historical, and projected financial condition and repayment capacity of the bank's largest and most complex borrowers. Evaluates the validity of borrower business plans based on assessments of industry outlook, competition, technology, management, and overall capital structure. Prepares clear, substantive credit reports and presents those credit reports for loan committee in conformity with bank policies and procedures. Assists and advises account officers on appropriate loan structure and overall account management strategies. Takes a leadership role in account servicing, credit administration, collateral and compliance monitoring, and other high-level administrative responsibilities to assist the account officers in managing the overall lending relationship. Approves or co-sponsors credits within prescribed credit limits. Functions as a mentor and advisor to other credit professionals and relationship management staff. Adds value to account relationships and supports the achievement of profitability and credit quality goals through interactions with staff and customers. Completes special projects and participates in industry research as requested.

Essential Functions
  • Reviews audits, interim statements, projections, and other pertinent financial information to provide analysis of financial trends. Acquires information from published industry reports, trade groups, journals, and other external sources to supplement and enhance the analysis of information provided by the borrower.
  • Identifies strengths and weaknesses of the borrower and evaluates specific risks to the bank. Prepares projection models to test loan-structuring alternatives. Evaluates the validity of the borrower's business plan based on an assessment of the industry outlook, competition, technology, management, and capital structure. Provides estimates of company and/or collateral value.
  • Prepares and oversees the preparation of credit analyses and credit investigations to ensure the application of a relevant and thorough approach. Provides direction and guidance to credit analysts and officers on all credit activities. Offers opinions concerning credit-worthiness. Oversees the credit approval process. Understands and follows bank guidelines, policies, and procedures for the preparation and presentation of credit information.
  • Assists with negotiations concerning the packaging of credit arrangements. Consults with lending or leasing staff and provides coaching on negotiation strategy, financing approaches, or other specific credit issues. Takes a lead role in managing credit administration, account servicing, development, loan structuring, packaging, loan closing, documentation, and monitoring.
  • Monitors credit quality of accounts to identify emerging trends and ensure ongoing compliance with covenants. Notifies lending, leasing, and/or credit staff of emerging issues as appropriate.
  • Assists with internal research and analysis, provides statistical reports, and verifies information. Prepares and delivers presentations on topics as assigned.
  • Identifies areas for improvement in templates, spreadsheets, programs, systems, and procedures used in the credit origination process. Proposes possible solutions to problems.
  • Develops and utilizes computerized spreadsheets, programs, and other automated tools for credit analysis, special projects, or presentations.
  • Approves or recommends credits for approval based on research and analysis completed by credit analysts or officers.
  • Maintains expertise in assigned industries or market sectors. Keeps abreast of industry trends and competitive environment.
Education
  • Bachelor's Degree required
Work Experience
  • 8 years of credit experience in the banking industry required
Physical Exertion Details

Sedentary Exerting up to 10 pounds of force occasionally and/or a negligible amount of force frequently to lift, carry, push, pull, or otherwise move objects, including the human body. Sedentary work involves sitting most of the time, but may involve walking or standing for brief periods of time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.

Travel Requirement Details

Occasional Travel occurs infrequently (typically, once a month or less).

About The Ladders

The typical base pay range for this role is between $95,657 - $133,011. Compensation may vary based on individual job-related knowledge, skills, expertise, and experience. This position is eligible for a discretionary annual incentive program driven by organization and individual performance.

The listed salary, other compensation, and benefits information is accurate as of the date of this posting. This job will be posted for a minimum of five business days or until the position is filled. The Ladders reserves the right to adjust compensation for all positions and to modify or discontinue benefits programs at any time in its sole discretion, subject to applicable law.

The Ladders is a cooperative bank serving vital industries across rural America. The bank provides loans, leases, export financing, and other financial services to agribusinesses and rural power, water, and communications providers in all 50 states. The bank also provides wholesale loans and other financial services to affiliated Farm Credit associations serving more than 76,000 farmers, ranchers, and other rural borrowers in 23 states around the country. The Ladders is a member of the Farm Credit System, a nationwide network of banks and retail lending associations chartered to support the borrowing needs of U.S. agriculture, rural infrastructure, and rural communities.

REASONABLE ACCOMMODATION

We are committed to ensuring that our online application process provides an equal employment opportunity to all applicants, including qualified individuals with disabilities. If you are an applicant with a disability, or are assisting an applicant with a disability, and require accessibility assistance or would like to request a reasonable accommodation for any aspect of the application process, including completing an application, interviewing, or otherwise participating in the employee selection process, please submit a request.

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment visa at this time.

The Ladders is an Equal Opportunity Employer.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, national origin, disability, or status as a protected veteran.