Senior Commercial Credit Analyst

5 days ago

Morrisville, North Carolina, United States The Bancorp Bank, N.A. Full time
Job Summary

The Bancorp Bank, N.A. is seeking a highly skilled Senior Commercial Credit Analyst to join our team. As a key member of our credit analysis team, you will be responsible for performing complex credit analysis and financial reviews of new and existing loan requests.

Key Responsibilities
  • Financial Analysis: Analyze financial statements on complex credit requests to make an initial assessment of the level and quality of credit risk and viability of repayment.
  • Loan Structuring: Work with salesperson to structure each loan request to best protect the bank and to meet borrower's desired outcome.
  • Borrower Interviews: Conduct borrower interview with applicant and/or designated third parties such as borrower's CPA, controller, etc.
  • Information Collection: Works with customers and SBL/leasing sales team to collect required credit information for underwriting loan and lease requests.
  • Exposure Verification: Verifies existing borrower's total and current exposure in the loan and leasing systems and databases, e.g., LeaseWave, Loan Manager and Spark, as well as hard file information and ensures that it is within departmental risk levels.
  • Credit Memorandum: Generates credit memorandum to include a detailed financial analysis, customer's background, summary of current and prior year fiscal results and cash flow analysis on more complex credits.
  • Recommendation: Determines and presents recommended action (approval or decline) to senior management. Recommendation to include all relevant financial analysis, supporting collateral and market information in accordance with the organization's credit standards and policies.
  • File Maintenance: Maintains accurate and complete loan files. Validates that all required authorization, compliance, and approvals are obtained prior to closing underwriting documentation and files.
  • Collaboration: Develops close working partnerships with the sales team, leasing and SBL operations and other internal company staff to ensure open communication channels are available to handle issues associated with the credit analysis and review of clients.
  • Process Improvement: Recommends process, procedural, and or operational changes to improve the efficiency of the credit review process.
  • Backup and Training: Serves as the primary backup for the manager approving daily rental funding requests. In addition, monitors, tracks, and updates title information related to daily rental customers and leasing customers. Trains and mentors less experienced credit officers and analysts.
Requirements
  • Education: Undergraduate degree in a related field or an equivalent combination of training and experience.
  • Experience: Five Years Commercial credit analysis or fleet/equipment leasing experience.
  • Skills: Strong working knowledge and understanding of traditional financial analysis. Strong organizational, time management and prioritization skills to meet loan committee deadlines. Excellent verbal, written, and interpersonal communication skills with strong presentation skills. Team player able to work effectively in a team fostered, multi-tasking environment. Proficient in Microsoft Office suite, e.g. Excel, PowerPoint, Word, Outlook.

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