Commercial RE Credit Analyst - Tampa, FL

Mutual Of Omaha Insurance Company Tampa , FL 33602

Posted 2 months ago

Responsible for evaluating the credit worthiness of businesses and determining their ability to repay. Ensures that the proposed loan(s) meet Credit Policies and Guidelines. With limited oversight, appropriately underwrites a deal in a timely fashion.

Essential Job Functions:

  • Spread financial statements and/or tax returns. Provide a written review of the details uncovered while analyzing the financial statements.

  • Prepare financial projections based on client input and other factors that will impact future results. Projections should include most likely scenario, best case scenario and breakeven/stressed scenario.

  • Identify material changes and trends on the financial statements and analyze the cash flow for the proposed deal.

  • Using critical thinking skills, analyze and make approval recommendations on loans.

  • Identify key risks and determine appropriate mitigates to those risks.

  • Present well-written credit packages for new loans, renewals and annual/quarterly reviews that clearly states the risks and key considerations for doing business with the client or prospect.

  • Complete ratio, trend, and cash flows analyses and create projections.

  • Routinely monitor loans for compliance. Ensure compliance with all established credit policies/guidelines and regulatory statutes.

  • Utilize external resources such as appraisals, rent rolls, industry information and market information to help determine adequacy of cash flow and collateral.

  • Based on analysis, make recommendations for loan structure, including collateral and covenants.

  • Based on identified risks related to borrower operations, industry/sector, collateral, etc., recommend appropriate risk rating.

  • Together with Portfolio Managers and Relationship Managers, stay on top of the portfolio reporting requirements, ensuring renewals, annual reviews and quarterly monitoring is completed in a timely manner to ensure monitoring is occurring.

  • Provide customer service to current and prospective borrowers, research borrower needs, answer questions, conduct routine research and solve routine problems. May attend client meetings as requested.

  • Maintain customer confidence by keeping information confidential.

  • Provide guidance and technical support to Credit Analysts.

  • Remain current on policy or procedural changes and new product offerings.

  • Complies with all related Federal, State and Industry laws and regulations pertaining to Banking.

  • This position requires up to 33% travel, which may include flying and/or driving and some overnight stays.

  • This position requires sitting over 66% of the time.

  • This position requires Visual Acuity at 20 inches (or less) over 66% of the time.

This job posting is reflective of the Credit Analyst II essential functions, qualifications, and physical requirements. The Credit Analyst III and Sr level has variable essential functions, qualifications and physical requirements. Competency and skill set will determine level of placement within the posted job family.

Minimum Job Requirements:

  • Minimum of 2-3 years of previous commercial credit analysis experience (or equivalent experience) required.

  • Strong analytical, mathematical and problem-solving skills with the ability to analyze and interpret quantitative data and formulate sound conclusions.

  • Thorough knowledge of banking, including an understanding of commercial lending, regulations and bank policies and procedures.

  • Experience with preparation of financial projections, spreading financial statements and preparation of written analysis reports.

  • Strong organization and time-management skills, attention to detail with high degree of accuracy, and the ability to work independently.

  • Strong interpersonal, verbal and written communication skills. Ability to maintain confidentiality of customer and credit information.

  • Sound judgment, decision-making ability, and the ability to work in pressure situations

  • Working knowledge of various software packages, including word processing, spreadsheet, electronic mail and presentation, and banking systems.

Preferred Qualifications:

  • BS/BA in Finance/Accounting/Business Management preferred.

  • Knowledge of banking, including an understanding of commercial lending and credit and appropriate banking laws, regulations and bank policies and procedures.

For inquiries about the position or application process, contact our HR Helpline at 1-800-365-1405.

If you are a qualified individual with a disability or a disabled veteran, you have the right to request an accommodation if you are unable or limited in your ability to use or access our career center as a result of your disability. To request an accommodation, contact a Human Resources Representative at 1-800-780-0304. We are available Monday through Friday 7 am to 4:30 pm CST.

Mutual of Omaha and its affiliates are an Equal Opportunity /Affirmative Action Employer, Minorities/Female/Disabled/Veteran

To All Recruitment Agencies: We do not accept unsolicited agency resumes and we are not responsible for any fees related to unsolicited resumes.

Advertised: Aug 8, 2019 09:00 AM Eastern Daylight Time

Applications close:


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Commercial RE Credit Analyst - Tampa, FL

Mutual Of Omaha Insurance Company