Senior Credit Analyst Job at Industrial Bank Wash
Industrial Bank is seeking a qualified professional for the position of Senior Credit Analyst. The essential job functions include the following:
- Performs credit analysis of financial statements and the ongoing monitoring of the credit worthiness of Borrowers focusing on risk identification.
- Proposes recommendations within the commercial and commercial real estate (CRE) loan portfolios.
- On new and renewal business, spread financial statements, analyze results and propose deal structure, determine adequate and acceptable sources of repayment and the necessity of guarantors based on guidelines delineated in the Loan Policy Manual.
- Closely track Bank’s legal lending limit and the necessity of Bank participants.
- Forward completed work product to CCO for review.
- Order D&B, CBI and OFAC reports as needed.
- Prepare vendor credit analysis.
- Oversee the Appraisal process including ordering & reviewing appraisals.
- Maintain current Board Approved Appraiser and Environmental Firm lists.
- Oversee the Environment Report process including ordering and reviewing Environment Reports
- Perform stress tests at origination and annually on all adjustable rate mortgages and other selected financial criteria on the commercial portfolio
Required education and experience
- A bachelor’s degree from an accredited University in business management, finance or banking
- Three to five years' experience in commercial lending/credit administration
- Proficient in Microsoft Word and Excel
- Training in credit analysis and appraisal review or have compensating years of experience
- Demonstrated competencies' in communication, problem solving, good judgement and customer service
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