Credit Analyst III – Equipment Finance

🕒 il y a 1 mois

🏈 Ohio – Distant

🏈 Ohio – Remote

⏰ Temps Plein

🟡 Intermédiaire

🟠 Senior

💸 Planification et Analyse Financières (FP&A)

🦅 Parrain de Visa H1B

Cette entreprise a parrainé des visas H1B par le passé.

👻 Score fantôme 14%

Ce que ça veut dire : la probabilité que personne ne recrute vraiment pour cette offre.Comment le lire : 60 % ou plus, on pense que c'est une offre fantôme. Un score plus bas est moins inquiétant.Comment on la calcule : ancienneté, republications, postes ouverts vs taille de l'équipe, rapidité de clôture, et si le salaire est indiqué.À noter : une estimation à partir de données publiques, pas un jugement sur l'entreprise. De vraies offres peuvent avoir un score élevé, alors prenez-le comme un indice, pas comme un fait.

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Northwest Bank

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1001 - 5000 employés

Fondée en 1896

🏦 Banque

💸 Finance

Banking • Finance

Northwest Bank est une banque régionale à service complet offrant des produits et services bancaires personnels, commerciaux et d'affaires. Elle propose des comptes chèques et d'épargne, des certificats de dépôt, des cartes de crédit, des prêts hypothécaires et des prêts sur valeur domiciliaire, des prêts auto et personnels, des financements pour petites entreprises et entreprises, des solutions de trésorerie et de gestion de trésorerie, ainsi que des services de gestion de patrimoine, fiducie et d'investissement via des unités affiliées. La banque propose également des outils de banque en ligne et mobile ainsi qu'un support client et est assurée par la FDIC.

Description

• Perform financial statement spreading, underwriting, and credit analysis supporting commercial lending and commercial loan portfolio management • Complete credit memos for new money requests to new and existing borrowers • Support Portfolio Management by completing annual reviews, renewals, change memos, and modifications • Handle credits representing higher aggregate exposure and/or complex credits • Prepare high-quality credit analyses and recommendations evaluating credit strengths and weaknesses • Participate in the Opportunity Memo process and OM calls • Analyze financial statements, industry risk, loan structure, and market conditions to assess creditworthiness and repayment ability • Use financial spreading software and other financial analysis tools to evaluate cash flow and repayment sources • Conduct underwriting, identify credit risks, analyze repayment capacity, and prepare collateral coverage narratives • Recommend credit structuring, documentation, and risk controls within credit approval guidance • Determine appropriate underwriting and due diligence levels • Complete underwriting tasks within expected service levels and turnaround times • Participate in business calls with commercial lending and credit administration teams • Maintain knowledge of macroeconomic issues in local markets and regional industries • Maintain underwriting-platform data integrity • Handle compliance and audit-related matters within the area of responsibility • Identify policy exceptions consistent with the Bank’s Commercial Credit Policy • Monitor and suggest workflow and procedure revisions to improve efficiency and minimize expenses • Identify potential credit losses and mitigate risk • Use risk rating models to determine credit risk ratings • Prioritize assignments with guidance from Commercial Credit Managers • Evaluate guarantors’ financial condition using personal financial statements and tax returns • Perform loan covenant testing calculations and update covenant compliance records • Complete assigned education and develop business writing and professional communication skills

🎯 Exigences

• Bachelor’s degree in business administration, accounting, management, finance, or related discipline (preferred) • 6-8 years relevant commercial lending or credit administration experience, specifically related to Equipment Finance (preferred) • Demonstrated ability to analyze complex credits accurately and efficiently • Knowledge of lending to a wide variety of industries • Ability to analyze detailed financial data • Strong computer skills, including word processing and spreadsheets • Ability to work with minimal direct supervision and use independent judgment and decision making • Preferred knowledge in high-net-worth and corporate aircraft transactions • Understanding of secured loan documentation • Negotiation skills • Strong interpersonal and professional communication skills • Knowledge of banking rules and regulations relating to Credit Administration, Commercial Lending, and Appraisals

🏖️ Avantages

• Equal opportunity employer committed to creating an inclusive environment for all employees • Professional development and education in loan underwriting, loan structuring, and overall professional development

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