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Job Description
Responsibilities include but are not limited to:
- Participates in credit training classes with proficiency evaluated through graded case work and testing. Training requirements, assigned tasks, and performance expectations must be met to proceed in the program.
- Prepares basic credit packages including credit analysis for extensions, modifications, and renewals of existing loan facilities and new loan requests.
- Spreads business financial statements using the Baker Hill/One Point system.
Analyzes a company's operating performance and financial condition to understand business trends and to identify credit risks. - Conducts cash flow analysis to evaluate loan repayment ability.
- Spreads and analyzes personal financial statements to evaluate personal liquidity, personal debt levels, and contingencies.
- Assesses collateral coverage.
- Performs industry/market analysis to identify industry trends and risks.
- Prepares loan offering and related forms for the credit package.
- Identifies and reports credit policy and underwriting experience.
- Completes underwriting requests within expected timeframes to meet assignment deadlines.
- Understands credit policies and is able to follow department procedures.