AVP Commercial Credit Analyst

SouthPoint Bank; Birmingham (AL); On-site; USD 75,000 - 110,000; Full time

Job summary

SouthPoint Bank in Birmingham, AL seeks an experienced credit underwriting professional to underwrite complex C&I and CRE/ADC loan requests, assess financials, credit, and collateral, and prepare recommendations for the Credit Department.

Responsibilities include deal memos, term sheets, notifying operations, annual reviews, training, and ensuring timely underwriting packages while monitoring borrowing bases and stress testing the loan portfolio.

Qualifications

• Bachelor’s degree or equivalent combination of education and experience required.
• Three to five years of experience in credit analysis and loan underwriting in a financial institution or equivalent experience in loan review, auditing, or financial analysis required.

Responsibilities

• Underwrite complex commercial and industrial (C&I) and/or CRE/ADC loans, analyzing applicant financials, credit, and collateral to determine feasibility of granting loans and providing recommendations.
• Examine, evaluate, and recommend risk rating and loan decision based on analysis.
• Prepare Deal Concept Memos, Credit Offering Reports, and Term Sheets/Commitment Letters with lender assistance.
• Notify Loan Operations when a loan has been decisioned.
• Perform annual reviews on complex relationships as needed.
• Assist with training the Credit team to underwrite, analyze, review, and monitor complex credit facilities.
• Assure timely completion of underwriting packages.
• Maintain and monitor borrowing base certificates on C&I lines of credit secured by accounts receivable and/or inventory.
• Assist the Credit Portfolio Manager with stress testing of the bank’s commercial loan portfolio.
• Work with lenders or borrowers to obtain current financial statements and borrowing base information from customers as needed.
• Other duties may be assigned

Skills

Analytical

Problem Solving

Project Management

Quality Management

Business Acumen

Strategic Thinking

Adaptability

Quantity

Education

Bachelor’s degree

Tools

MS Word

MS Excel

Job description

Essential duties and responsibilities include the following:

• Underwrite complex commercial and industrial (C&I) and/or commercial real estate/acquisition & development construction (CRE/ADC) credit requests presented to the Credit Department. Includes analyzing applicant financial information, credit, and collateral evaluation to determine feasibility of granting loans and providing recommendations
• Examine, evaluate, and recommend risk rating and loan decision based on analysis
• Prepare Deal Concept Memos, Credit Offering Reports, and Term Sheets/Commitment Letters (with lender assistance)
• Notify Loan Operations when a loan has been decisioned
• Perform annual reviews on complex relationships as needed
• Assist with training the Credit team to underwrite, analyze, review, and monitor complex credit facilities
• Assure timely completion of underwriting packages
• Maintain and monitor borrowing base certificates on C&I lines of credit secured by accounts receivable and/or inventory
• Assist the Credit Portfolio Manager with stress testing of the bank’s commercial loan portfolio
• Work with lenders or borrowers to obtain current financial statements and borrowing base information from customers as needed
• Other duties may be assigned

Competency

Analytical: Synthesizes complex or diverse information; Collects and researches data; Uses intuition and experience to complement data.

Problem Solving: Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics.

Project Management: Develops project plans; Coordinates projects; Communicates changes and progress; Completes projects on time and budget.

Quality Management:Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness.

Business Acumen: Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition; Aligns work with strategic goals.

Strategic Thinking: Develops strategies to achieve organizational goals; Understands organization's strengths & weaknesses; Analyzes market and competition; Adapts strategy to changing conditions.

Adaptability: Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation.

Quantity:Meets productivity standards; Completes work in timely manner.

Qualifications:

Education/Experience: Bachelor’s degree or equivalent combination of education and experience required. Three to five years of experience in credit analysis and loan underwriting in a financial institution or equivalent experience in loan review, auditing, or financial analysis required.

Computer Skills: To perform this job successfully, an individual should have knowledge Microsoft office products including Word and Excel.

Physical Demand:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision. While performing the duties of this job, the employee is occasionally required to stand; walk; sit; talk and/or listen.