Primary Location: United States,Texas,Irving
Other Location: United States,Utah,Roy
Education: High School Diploma/GED
Job Function: Risk Management
Shift: Day Job
Employee Status: Regular
Travel Time: Yes, 10 % of the Time
Job ID: 19000601
Credit Risk Officer
Performs in-depth financial statement analysis to manage new and existing relationships with exposures >$250M in addition to high-risk credits.
Integrates in-depth credit operations knowledge with a solid understanding of industry standards and practices.
Uses judgment to complete more complex credit transactions with direct business impact.
Oversees credit application process to include credit verification and determines credit limits.
Performs analysis of credit reports, financials, etc. to provide the status on credit and operating statements.
Applies analytical thinking and knowledge of credit analysis tools and methodologies.
May serve on special project teams as assigned.
Mentor lower level analysts.
Additional assignments as business needs are identified
Bachelor's degree or equivalent experience required (Graduate School experience desired).
Understanding of business needs/requirements.
7+ years Credit Analysis experience required.
Previous demonstrated ability to read and interpret commercial credit bureaus, financial statement, trade experience analysis with the ability to utilize external financial resources to underwrite commercial credit requests is required.
Good corporate and merchant credit and exposure analytical/analysis skills with strong process and project management skills.
Demonstrated commercial underwriting/analysis experience with Moody's MFA/Spreading experience
Prior lending authority preferred
Strong communication (written and verbal), phone etiquette and customer service skills.
Proficient working knowledge of Windows and Excel.
Typing skills required. -tasking in a high volume environment required.
Previous management experience preferred.