Credit Analyst III – Equipment Finance

🔥 13 hours ago

🏈 Ohio – Remote

🏈 Ohio – Remote

⏰ Full Time

🟡 Mid-level

🟠 Senior

💸 Financial Planning and Analysis (FP&A)

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

👻 Ghost score 12%

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Northwest Bank

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1896

🏦 Banking

💸 Finance

Banking • Finance

Northwest Bank is a regional full-service bank offering personal, business, and commercial banking products and services. It provides checking and savings accounts, certificates of deposit, credit cards, mortgages and home equity loans, auto and personal loans, small business and commercial financing, treasury and cash-management solutions, as well as wealth, trust, and investment services through affiliated units. The bank also offers online and mobile banking tools and customer support, and is FDIC-insured.

📋 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

🎯 Requirements

• 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

🏖️ Benefits

• 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