Senior Credit Analyst / Underwriter (SENIO013492)
Arkansas StaffingJonesboro, AR, US23 days ago
Job type
- Full-time
Job descriptionEducation and Experience : Broad knowledge of such fields as accounting, marketing, business administration, finance, etc. Equivalent to a four year college degree, plus 7 years related experience and / or training, and 4 years related management experience, or equivalent combination of education and experience. Communication Skills : Ability to write reports, business correspondence, and policy / procedure manuals; ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. Ability to read, analyze, and understand common scientific and technical journals, financial reports, and legal documents; ability to respond to complex or difficult inquiries or complaints from customers, regulatory agencies, or members of the business community. Mathematical Skills : Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane, algebra, solid geometry and trigonometry. Critical Thinking Skills : Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables. Software Skills Required : Advanced : 10-Key, Accounting, Spreadsheet, Word Processing / Typing Intermediate : Alphanum ric Data Entry Basic : Human Resources Systems, Presentation / PowerPoint Responsibility For Work Of Others : Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities may include but not limited to interviewing, hiring and training employees; planning, assigning and directing work; appraising performance, rewarding and disciplining employees; addressing complaints and resolving problems. Supervises a small group (3-7) of employees, usually of lower classifications. Assigns and checks work; assists and instructs as required and performs same work as those supervised, or closely related work, a portion of the time. Content of the work supervised is of non-technical nature, but presents numerous situations to which policies and precedents must be interpreted and applied. Supervises the following departments : Credit Analysts and Underwriters Seven (7) or more years of related experience and / or training Analytically minded and possess good judgment. Ability to mentor others or delegate and oversee quality and accuracy of work product given to others Proficient in Microsoft Word and Excel
Sr. Credit Analyst / Underwriter
The Sr. Credit Analyst / Underwriter performs financial based analysis and underwriting of credits which is used by the bank to assess risk and monitor existing credits to entities or individuals. This position performs analysis on the largest and most complex loans or relationships with a Region or Industry. The Sr Credit Analyst / Underwriter engages with Analyst I or II, as appropriate, to assist in the analysis of the credits or relationships and as directed by their manager.
Essential Duties And Responsibilities
- Generate financial spreads, or oversee and review spreads prepared by Analyst I or II within the bank lending operating system (nCino) using financial statements to find and review trends.
- Create spreadsheets designed to quantify borrower's personal, global, and real estate cash flows / project analysis on an accurate and timely basis.
- Create credit memos and annual reviews, as defined in current department procedures.
- Attend loan committee meetings when directed by management.
- Provide guidance and assistance in mentoring Analyst I & II as directed by Regional Manager.
- Engage Analyst I or II to assist in tasks related to analysis of the credits or relationships and provide oversight of work product to ensure work product is accurate and delivered within necessary time frame to complete overall analysis.
- Act as back up the Regional Manager or other CA leader in the review of work product performed by other Analyst's on the team.
- The ability to work in a constant state of alertness and in a safe manner.
- Complete required BSA / AML training and other compliance training as assigned.
- Perform any other related duties as required or assigned.
Qualifications
To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and / or ability required.
Additional Information
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Senior Credit • Jonesboro, AR, US
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