Commercial Credit Analyst

11340

Introduction

Visium Resources has been asked to identify qualified candidates for this Credit Officer position. This position is a direct hire opportunity which is expected to be on-site in Maitland, FL.

Summary

The Credit Officer will perform all aspects of credit analysis to promote loan credit quality. Support lending function through annual review process. Assist Senior Lending Officer (SLO) with portfolio management duties including routine account servicing and maintenance.

ESSENTIAL FUNCTIONS AND RESPONSIBILITIES

All descriptions have been reviewed to ensure that essential functions, basic duties and the minimal standards required to successfully perform the position have been included. However these duties, responsibilities, and requirements should not be interpreted as all-inclusive. Additional functions and requirements may be assigned by supervisors as deemed appropriate.

1. Perform detailed credit analysis as required to ensure acceptable loan quality and reduce potential for past dues, non-performing loans and charge off.

2. Assist Commercial Lenders with preparation of commercial loan packages for Loan Committee and/or approval process.

3. Monitor the loan maturity report with the SLO to assure all maturing loans are renewed or paid off by the maturity date.

4. Assist Commercial Lenders with portfolio management by handling renewals, modifications and other administrative issues.

5. Monitor the annual review schedule and assist SLO to ensure all loans are reviewed as required by Loan Policy.

6. Work closely with the Loan Operations Department to assist with the timely collection of required financial information and required file documentation.

7. Critically analyze loan recommendations and work with Commercial Lenders to assure the highest standard of underwriting is incorporated into each loan package.

8. Communicate with all bank employees on issues related to credit quality.

9. Active participation in and promotion of the Bank's culture.

10. Support the Commercial Lending team as necessary to allow the team to meet budgeted loan and income goals.

11. Adheres to Federal Banking Regulations including Bank Secrecy Act Compliance.

12. Perform special assignments as required.

COMPETENCIES

To perform the job successfully, an individual should demonstrate the following competencies:

Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics.

Ethics - Treats people with respect; Keeps commitments; Inspires the trust of others; Works with integrity and ethically; Upholds organizational values.

Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Benefits organization through outside activities; Supports affirmative action and respects diversity.

Adaptability - Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation; Able to deal with frequent change, delays, or unexpected events.

Attendance/Punctuality - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time.

Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Commits to long hours of work when necessary to reach goals; Completes tasks on time or notifies appropriate person with an alternate plan.

Initiative - Volunteers readily; Undertakes self-development activities; Seeks increased responsibilities; Takes independent actions and calculated risks; Looks for and takes advantage of opportunities; Asks for and offers help when needed.

Judgment - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions.

Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently; Plans for additional resources; Sets goals and objectives; Organizes or schedules other people and their tasks; Develops realistic action plans.

Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments.

Quality - Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality; Applies feedback to improve performance; Monitors own work to ensure quality.

Safety and Security - Observes safety and security procedures; Determines appropriate action beyond guidelines; Reports potentially unsafe conditions ; Uses equipment and materials properly.

Education/Experience:

Bachelor's degree (B. A.) or equivalent; or four to ten years related experience and/or training; or equivalent combination of education and experience.

Language Ability:

Ability to read, analyze, and interpret the most complex documents. Ability to respond effectively to the most sensitive inquiries or complaints. Ability to write speeches and articles using original or innovative techniques or style. Ability to make effective and persuasive

speeches and presentations on controversial or complex topics to top management.

Math Ability:

Ability to work with mathematical concepts such as probability and statistical inference, with ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.

Reasoning Ability:

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

Computer Skills:

To perform this job successfully, an individual should have knowledge of Microsoft Word, Excel, Powerpoint, and MS Outlook software.