Job Description
- Analyze financial statements and tax returns of varying levels of quality to develop an initial assessment by identifying strengths and weaknesses pertaining to the borrower's historical performance.
- Review and complete independent credit analyses of agricultural, commercial, and construction loan requests of varying sizes, complexity, structure, and industry.
- Independently discuss alternative structures, overall assessments and turnaround requirements with Lenders regarding their own work or the work of others in the department.
- Prepare and review in depth written analyses, including but not limited to financial statement spreads, for relationships of all sizes and levels of complexity, including those with greatest exposure.
- Research industry-specific data from outside sources, including information from borrowers, industry publications, references from other financial institutions, credit agencies and the internet.
- Provide and review written analyses that include strengths and weaknesses of credit approval, denial or alternative structure to Lenders.
- Assist in preparing and finalizing loan committee packets for distribution.
- Attend various committee meetings including loan committee to answer questions pertaining to credit analyses.
- Verify compliance with laws, regulations and Bank policies including enforcement of Bank loan policies and credit culture.
- Participate in customer meetings as requested by Lenders.
- Assist in report enhancement and reporting to the Board of Directors and Regulatory Agencies.
- Assist Lenders in performing and completing property inspections and market evaluations.
- Assist the Chief Credit Officer in the preparation of management reports to include the ALLL, Concentration CRE, OREO and Problem Loan reports.
- Adhere to applicable Federal and State banking laws and regulations.
- Bachelor's degree in accounting, finance, or business administration preferred; accounting/finance experience is beneficial. The appropriate combination of education and experience will be considered in lieu of a degree.
- Two or more years of credit analysis experience preferred.
- Familiarity with financial statement spreading software (Moody's, Baker Hill, etc.) is beneficial.
- Must possess attention to detail, accuracy in work performed, and can multi-task while maintaining focus.
- Strong Analytical, math, and problem-solving skills.
- Excellent PC skills required; must demonstrate the ability to mentor/coach other team members while completing own work at a high level.
Key Skills Required
Job Overview
Job Function: Accounting / Auditing
Job Type: Full Time
Workplace Type: Not Specified
Experience Level: Not Specified
Salary: $85,000 - $87,000 / Annual Salary
Experience: 0 - 0 yrs
Contact Information
Company about us: At The Symicor Group, we understand that finding the right talent is crucial for the success of any bank. That's why we focus exclusively on the banking industry and have a team of recruiters who are knowledgeable and experienced in the field. Our unique approach of "bankers recruiting bankers" sets...
Company Name: The Symicor Group
Recruiting People: HR Department
Website: http://symicorgroup.com/
Headquarter: Crystal Lake, Illinois, USA 60014
Industry: Recruitment / Staffing
Company Size: 11-50 Employees
Location
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