Collateral Analyst

Job Description

Job Description

Description : Full Time

The Collateral Analyst will be responsible for conducting in-depth industry and financial analysis of existing and potential borrowers while providing a high level of quality service to all customers. You are working closely with the Asset Based Lending (ABL) group to process requests for financing from inception through payoff, including renewals and modifications of new and existing loans. Preparing timely and insightful credit analysis applications for a diverse, medium to high complexity and sophisticated portfolio of commercial & industrial, ABL, commercial real estate and private banking / professional services commercial loan customers.

This position also works cooperatively to support the Lending and Credit functions of the Bank, including, but not limited to :

• Prepare written risk analysis of commercial loan applications
• Ensure compliance with all Bank policies and applicable laws and regulations
• Process and review borrowing base funding request from clients

Responsibilities :

Conducts thorough risk analysis of applications for commercial credit including : financial statement spreads, performance ratios, covenant checks, borrowing base certificates, and loan stress testing culminating in a written commercial loan analysis for review by officers, committee, or Board as appropriate.

Requirements :

Soft Skills

Functional Skills

Physical Demands and Work Environment

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions. While performing the duties of this position, the employee is regularly required to talk or hear. The employee frequently is required to use hands or finger, handle, typing or feel objects, tools or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and / or move up to 25 pounds. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The noise level in the work environment is usually moderate.