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Credit Manager in Tampa at SNI Financial

Date Posted: 2/12/2018

Job Snapshot

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Job Description

Job Functions:

  • Assigns credit underwriting and spread requests to department personal. Follows up with staff to ensure timely completion of underwriting assignments.
  • Reviews draft credit package for accuracy and completeness of analysis findings.
  • Makes recommendations on approval or declination of loan requests within defined loan authority.
  • Spreads financial statements and prepares comprehensive financial analysis on the creditworthiness of the borrower and guarantors.
  • Creates Pro-Forma analysis to assess the borrower/guarantors ability to repay current and proposed debt obligations.
  • Prepares written analysis on large and complex lending relationships including preparation of the credit authorization package for SLC/DLC discussion.
  • Fosters a strong working relationship with the Lenders and Portfolio Managers
  • Provides recommendations on loan structure, loan monitoring and other lending related matters
  • Review appraisals and environmental reports.
  • Provides guidance and acts as a resource to less experienced analysts
  • Prepares periodic reports and studies on the loan portfolio for the benefit of Senior Management and Directorate, as needed.
  • Serves as a back-up for the Chief Credit Officer
  • Perform other tasks and assist in projects as needed.

Position Requirements:

  • Bachelor's Degree in Accounting or Finance is required. Advanced degree is preferable.
  • Formal Bank Commercial Credit training
  • Minimum of 7 years of Commercial/CRE lending/credit experience with 5+ years dedicated to commercial credit underwriting with increasing levels of responsibility.
  • Knowledgeable of MS Office Suite programs, credit analysis software and core operating systems
  • Knowledgeable in financial institution operating policies and procedures and banking regulations state and federal.