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Senior Credit Analyst in Tampa at SNI Financial

Date Posted: 2/12/2018

Job Snapshot

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Job Description

Job Functions:

  • 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
  • Makes recommendations on approval or declination of loan requests.
  • Review appraisals and environmental reports.
  • Provides guidance and acts as a resource to less experienced analysts
  • Works with FIMAC analytic or other Stress testing software and prepares reports, as required
  • 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 Senior Credit Officer
  • Perform other tasks and assist in projects as needed.

Key Qualifications:

  • Demonstrated skill in analysis and interpretation of business and individual financial statements, tax returns, and cash flows.
  • Thorough understanding of commercial real estate project analysis, real estate appraisal reviews and environmental evaluation reviews.
  • Ability to define problems, aggregate facts, draw valid conclusions and provide recommendations for resolution.
  • Working knowledge of all applicable Bank products and services.
  • Excellent problem-solving skills
  • Detail oriented, good organizational, interpersonal, communications and writing skills.