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Credit Analyst

What you'll do as a Credit Analyst, Business:

  • Researches loan information. Ensures proper financial information is obtained from applicant. 
  • Serves as the primary loan operations contact for approx. 25-35 clients with asset based loans provided by the bank. 
  • Will maintain a professional and courteous manner with all borrowers, including assisting borrowers by answering questions and resolving problems promptly; queries to be expected are billing, availability, borrowing, or other system update requirement related (e.g. advance rate update via appraisal, change in sublimity or commitment, etc). 
  • Will perform a post loan closing review of the relationship, including review of loan agreement and field exam and confirm deal tickler set up
  • Draft and maintain the Client Resource Guide for all assigned accounts and assist with loan onboarding. The CS will monitor the timeliness and completeness of the client’s collateral reporting and verify authorized signatures are on the reports
  • Advise the Credit Risk Manager of reporting inadequacies and other issues and, under the Credit Risk Manager’s direction, work with the borrower to resolve these problems. 
  • Review, analyze, reconcile, and post the borrowing base certificate and/or sales and collection reports and supporting documentation to confirm the value of the borrower’s collateral as well as the availability and the collateral system; 
  • Calculate ineligibles and reconcile collateral to aging, perpetual and financial statements or ledgers.