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Summary

This position is responsible for providing analysis of submitted financial information in support of

lending officers. It is further responsible for providing support and assistance to the lending officers

in the processing and underwriting of loan applications, production of documentation required to

book loans and efficient performance of administrative duties for the commercial real

estate/commercial loan portfolio.

Principal Duties and Responsibilities

1. Prepares detailed analysis of financial statements, operating statements, and tax returns for

use in preparation of loan presentations.

2. Performs ongoing analysis of submitted financials, tax returns, borrowing certificates and rent

rolls to ensure compliance with loan covenants and for inclusion in new presentations or file

memos as required.

3. Performs account-related duties such as maintaining proper collateral and margin requirements

on secured loans, documentation of file, loan review reports, etc. in order to maintain current

credit files and data regarding the customers’ financial and business status.

4. Prepares Credit Committee presentations in a timely manner and ensures the proper

distribution.

5. Processes the loan input sheet and produces the complete loan documentation process for

new loans, loan modifications and loan renewals with the appropriate approvals following all

existing policies and procedures.

6. Coordinates the assembly of required loan documents in order to book new loans, loan

modifications and renewals including compliance with proper approvals and all existing policies

and procedures.

7. Analyzes new loan requests including ordering the appropriate credit reports, doing appropriate

credit/reference checks, tax lien search, judgement search, title commitments, Experian

Reports, UCC’s, Certificates of Good Standing, etc.

8. Administers numerous account-related functions on behalf of customers such as resolving

errors, overdraft problems, customer complaints and maintains contact with operations and

other departments in order to resolve problems or to refer a prospect. Provides follow-up to

ensure customer satisfaction.

9. Monitors exception, maturity and past due reports and follows up as instructed by the

appropriate officer.

10.Responsible for the set up and maintenance of all loan files.

11.Prepares various monthly/quarterly department reports.

12.Keeps abreast of related issues through review of various publications and attendance at

customer functions, meetings, seminars and courses as is appropriate.

13.Completes special projects as required.

14.Performs other related duties as assigned.

Knowledge, Skills, and Abilities

Education

Bachelor’s degree with a concentration in finance, accounting or business (required)

Experience

One year of analysis experience at a financial institution (required)

Prior banking or commercial lending experience (preferred)

Competencies

• Ability to multi-task

• Analytical aptitude

• Communication (verbal/written)

• Computer

• Customer service orientation

• Detail attentiveness

Components

Equipment

• PC

• General office equipment

Software

Microsoft Office (Word/Excel/PowerPoint)

LaserPro

Sageworks

Job Conditions

Normal office functions

Customer interaction