What are the responsibilities and job description for the Senior Credit Analyst position at FinTrust Connect?
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Senior Commercial Credit Analyst –Coral Gables, FL
FinTrust Connect has partnered with a leading regional financial services company that is rapidly expanding its credit operations and is looking to hire a Commercial Credit Analyst in Miami, FL. This position is responsible for more complex underwriting/analyzing commercial loans and assisting Portfolio Managers and Relationship Managers in managing customers’ relationships.
Why this opportunity?
Culture: This regional bank has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. This is an organization with a market-centric approach that enables you to remain nimble and in tune with the local economy.
Workplace (Remote, On-site, Hybrid): On-site in Coral Gables, FL
Function: Financial statement spreading, renewals and annual reviews, prepare credit analysis of CRE and C&I loans
Requirements:
- Minimum of 3 years of related experience in the Financial Services, Banking Industry, Credit Analysis, Loan Review, Underwriting or similar background preferred.
- Bachelor's degree in Accounting, Finance or Business or equivalent in specific work experience
- Minimum of 3 years of experience as a Credit Analyst I or equivalent role preferred.
- Minimum of 3 years of experience in general bank operations and the lending process
- Strong ability to understand and provide commentary on Company Financial performance; review and provide analysis on leases, appraisals, budgets, projections, guarantor documents, tax returns, cash flows, financial ratios, trends and debt repayment capacity.
Description:
- Prepare credit analysis including review/analysis of real estate and C&I loans—specific market information and financial statements for commercial borrowers, guarantors and prospects.
- Timely completion of financial statement spreading, updating and creating new requests, renewals and annual reviews, tracking and completing covenant monitoring, conducting industry research and having a strong understanding of loan policy.
- Analyze and prepare complex credit approval documentation such as loan terms, collateral, entering covenants, determining bank's credit exposure, and loan grade inputs.
- Work closely with Portfolio Managers to monitor and manage assigned commercial loan portfolios.
- Participate in internal credit conversations with senior credit management and in external meetings with clients and prospects.
