Perform independent credit analysis for commercial and industrial (C&I) loan requests. Spread and analyze financial information for borrowers and guarantors. Monitor the ongoing performance of the borrower and act as an independent reviewer for the borrowing relationship.
1.Financial analysis and preparation of loan presentation packets for new C&I credit requests, renewals, and annual reviews.
2.Monitor ongoing financial performance of borrowers and act as an independent reviewer of the borrowing relationship through contact with the lender and / or borrower.
3.Cross functional working relationships with peers and management to maintain service level relationships.
4.Understand and comply with Bank policy, laws, regulations and the Bank's BSA/AML program, as applicable to job duties.
1.Bachelor's Degree, preferably in accounting, finance, banking or business administration.
2.Ability to read and interpret financial statements, including: Tax returns (individual and business), balance sheets, income statements, cash flow schedules, and statements of owner's equity.
3.Strong organizational and analytical skills, and the ability to manage multiple deadlines.
4.A good understanding of commercial lending concepts, practices, procedures and documentation.
5.Strong computer skills and experience with MS Office products.
6.Excellent communication skills, both written and verbal, and strong presentation skills.
1.Previous commercial credit analysis experience or equivalent industry background preferred.
2.Previous C&I underwriting and / or lending experience preferred.
3.Ability to communicate effectively with senior management, operational, and technical staff and peers.
First National Bank