Senior Credit Risk Analyst – Underwriting & Analytics

Fcmloans4u; San Antonio, Northern (TX, KY); Hybrid; USD 60,000 - 90,000; Full time

Job summary

RadNet, Inc. is seeking an underwriter to prepare spreads of financial information from financial statements and tax returns, and to monitor credit risk on existing loans through covenant testing and reviews.

The role involves underwriting consumer loan requests, ordering appraisals, analyzing data for debt service capacity, identifying policy exceptions, ensuring compliance with laws, and documenting assessments for small, non-complex commercial credits. On-site work in Texas may apply.

Qualifications

• Analyze financial data to assess debt service capacity and loan risk.
• Underwrite consumer loan requests and prepare credit assessments.
• Identify exceptions to lending policies and ensure adherence to laws and regulations.
• Prepare written assessments for small, non-complex commercial credit requests.

Responsibilities

• Prepare spreads of financial information from financial statements and tax returns.
• Monitor credit risk of existing loans through systematic reviews and loan covenant testing.
• Analyze and underwrite consumer loan requests as needed.
• Order appraisals of residential property and analyze resulting data.
• Identify borrowing risks and suggest mitigations to credit risk.
• Ensure compliance with all applicable laws and regulations.
• Assist with special projects as assigned.

Skills

Credit underwriting

Financial analysis

Regulatory compliance

Job description

* Bachelor's Degree in Accounting, Finance, Business Management or related field
* 3-5 years experience in lending or credit preferred
* At least 18 years of age
* Ability to organize and prioritize
* Detail oriented and ability to multi-task
* Proficient in Microsoft Office
* Must be a self-starter and able to meet all deadlines
* Must communicate effectively, both verbal and written
* Must successfully pass background investigation according to company policy
* Must be able to get along with co-workers and work effectively in a team environment
* Strong analytical skills and exercises good judgement to make sound decisions
* Possesses clear understanding and complies with all bank procedures, laws and regulations

Job Description

* Prepare spreads of financial information from financial statements and tax returns
* Monitor the ongoing credit risk of existing loans through systematic reviews of financial statements and testing compliance with loan convenants
* Analyze and underwrite consumer loan requests as needed
* Order appraisals of residential property
* Analyze the financial data presented, including the level and trend of pertinent ratios, including global debt service capacity
* Identify exceptions to lending policies and underwriting guidelines.
* Ensure compliance with all applicable laws and regulations
* Research borrower industry and market conditions
* Identify borrowing causes, sources of repayment, risks to repayment, and suggest enhancements to mitigate credit risk
* Prepare written assessment documenting the strengths and weaknesses of small, non-complex commercial credit requests
* Assist with special projects and performs other duties as assigned

Physical Requirements:
* Must be able to remain in a sitting stationary position for extended periods of time
* Constantly operate a computer and other office machinery
* Ability to lift up to 25 pounds

Member FDIC, Equal Housing Lender
FCBI is an Equal Opportunity Employer
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