Senior Credit Analyst / VP

The Senior Credit Analyst, VP is responsible for gathering and analyzing credit information and underwriting on current and potential borrowers; determines the advisability of granting credit for diversified types of loans, promotes business for the Bank by  maintaining  good customer relations and referring customers to appropriate staff for new services.

ESSENTIAL DUTIES :

• Upholds, at all times, the Bank’s Core Values of : Integrity, Respect, Positive Attitude, Empowerment, Accountability, and Excellence.
• Delivers on the Bank’s tagline of “Your Best Banking Experience – Ever!” by reinforcing the application of superior customer service through own example along with appropriate follow through with involved customers and employees.
• Reviews new and renewal loan packages to begin the underwriting process.  Gathers additional data from customers, internal and outside sources, that may be discovered during underwriting.  Prepares spreadsheets and analyzes financial information including financial statements and tax returns.  Contacts customers for any additional information and clarification of data that was not provided in the preliminary loan package.
• Coordinates with lending associates / assistants in preparing need lists to request financial statements, tax returns, liquidity statements, applications, etc.  Coordinates the ordering of credit reports, title policies, UCC filings, and entity documents.  Reviews all third-party reports and entity documents to confirm proposed lien and / or trust-deed positions on collateral.  Reviews all entity documents to confirm borrowing entity rights and managing member / corporate officer authorities.
• Coordinates with lending associates / assistants complete the “Pre-Doc Checklist” items needed to prepare documents and fund loans, such as insurance, CIP, BSA, and state and federal filing verifications, etc.  Coordinates the timeliness of completion of the Pre-Doc Checklist to ensure all items are completed prior to loan approval and documentation.
• Performs asset verification, research assessor records, Zillow, secretary of state, fictitious firm name filings, business websites, contractor’s board, medical, dental boards, etc.  Submits requests to the Appraisal Dept for real estate and personal property appraisal reports, and environmental reports.
• Completes Credit Approval Memorandums for review and approval from Executive Management, Management Loan Committee, and Board Loan Committee.  Memorandums include new and renewal loans, and any credit related modifications for existing loans.
• Maintains open communication with assigned BRO and / or loan servicing team on all customer correspondences throughout underwriting process.
• Develops knowledge of financial industry, economy, market conditions, rates, vendors, and competition.
• Assists lending associates / assistants in obtaining information to complete BSA CIP and Risk Rating forms.
• Prepares needs letters, decline worksheets, and decline letters; Collects monthly client Accounts Receivable reports and assists in the preparation of Borrowing Base Certificates; Communicates with borrowers to follow-up on financial packages.
• Sets up borrower files on Sharefile.com, sending appropriate links to the borrower for uploading documentation, downloading documentation to the lending server, printing, and organizing data.
• Research and compiles business financial ratio benchmarks through the Risk Management Association.
• Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.
• Other duties as assigned, including the training and mentoring of team members.

SUPERVISORY RESPONSIBILITY :

MENTAL DEMANDS :

This position must be able to accommodate reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions.

MINIMUM REQUIREMENTS :

Management reserves the right to change this position description at any time according to business needs at their sole discretion.

About GBank :

We began in 2007 as "Bank of George" when we opened our Las Vegas bank locations. George Washington's legacy is one of strong leadership, integrity, and dedication to community. As our foremost founding father, our namesake started something great back then. We believed a small community bank better served the needs of our clients in Southern Nevada. Though we have grown and now lend to businesses in more than 30 states, we still maintain two local branches and provide a high level of customized service to all our clients. GBank Financial Holdings Inc. (NASDAQ : GBFH) is the parent company for GBank. GBank conducts business nationally through its SBA lending activities and BankCard Services, LLC ("BCS") partnership. Launched in 2016, our FinTech Gaming Division is powering Sightline Payments Play+ Solution (https : / / sightlinepayments.com / ) for seamless and secure pay and play that enables cashless, mobile commerce solutions for gaming, lottery, and sports betting ecosystems. This positions GBank as a financial leader in this new payments world. GBank also provides general commercial banking services with an emphasis on serving the needs of small and medium-sized businesses, high net worth individuals, professionals, and investors. The Bank offers a full complement of consumer deposit products and is focused on delivering a premium level of service.