Senior Credit Analyst: Bank & Treasury Risk Expert

Thrivent Financial for Lutherans; United States; Sur place; USD 64 000 - 86 000; Plein temps

Avantages offerts par ce poste

Bonuses

Medical, dental, and vision insurance

401k

Paid time off

Résumé du poste

Thrivent Financial for Lutherans in the United States seeks a seasoned credit risk professional to assess financial analysis and credit worthiness for business lending and Treasury Management clients. The role oversees special assets and troubled loan monitoring for watchlist credits and collaborates with lenders and regulators.

You will evaluate complex loan requests, advise on structure, prepare analyses and memos, and present to Loan Committee.

Qualifications

• 6+ years of financial analysis, commercial or business lending, and Treasury Management experience.
• A four-year degree in accounting, business, finance, or a related field; CPA designation a plus.
• Excellent knowledge of business lending and Treasury Management regulations and products/services including ACH and remote deposit capture.
• Work with lenders to explain to customers the features and benefits of the products/services.
• Demonstrates knowledge and application of business lending and Treasury Management policies and procedures.
• Excellent knowledge of bank industry and ability to present a professional image.
• Able to produce results without direct supervision.
• Relies on experience and judgment to plan and accomplish assigned tasks.
• Assist in orienting and training lower level employees.
• Must exhibit excellent human relations and change management skills.

Responsabilités

• Evaluate and review complex clients' business loan and Treasury Management requests.
• Make recommendations to lenders on structure of loans and Treasury Management products.
• Read, analyze, and interpret complex documents to assess risk factors and degrees of risk.
• Manage ongoing review of credit relationships including loan memorandums and annual reviews.
• Provide recommendations to lenders on credit structure based on policy.
• Primary contact for SBA loan approval process.
• Review and prepare written analysis, spreadsheets, reports, summaries and opinions for all loan activities.
• Maintain an excellent understanding of cash flow analysis.
• Serve as a credit policy and procedure expert for business lenders and Treasury Management.
• Prepare and present to Loan/Credit Committee troubled loan monitoring reports.
• Oversee the special assets and watchlist credits for commercial lending.
• Assist accounting with risk assessments on commercial, mortgage, and consumer lending portfolios.
• Work with external regulators on documentation and analysis requested.
• Interact with Thrivent personnel, external vendors, contractors, Thrivent clients, senior management, Board, and directors.

Connaissances

Financial analysis

Commercial lending

Treasury Management

Excel proficiency

Regulatory knowledge

Communication

Training/mentoring

Formation

Bachelor's degree in accounting, business, finance, or related field

CPA designation (a plus)

Outils

Treasury management software

Excel

Description du poste

Thrivent Financial for Lutherans in the United States seeks a seasoned credit risk professional to assess financial analysis and credit worthiness for business lending and Treasury Management clients. The role oversees special assets and troubled loan monitoring for watchlist credits and collaborates with lenders and regulators.

You will evaluate complex loan requests, advise on structure, prepare analyses and memos, and present to Loan Committee.