Sr Credit Analyst - Bank

Thrivent; United States; À distance; USD 64 000 - 86 000; Plein temps

Avantages offerts par ce poste

Medical insurance

Dental insurance

Vision insurance

401k plan

Pension program

Paid time off

Résumé du poste

Thrivent in the United States seeks an experienced financial analyst to assess creditworthiness for business lending and Treasury Management clients. The role includes managing special assets and troubled loan monitoring for watchlist credits and serving as SBA loan approval expert.

You will evaluate complex requests, recommend loan structures, review loan memorandums, prepare written analyses and reports, and coordinate with lenders, regulators, and Thrivent stakeholders.

Qualifications

• 6+ years of financial analysis, commercial or business lending, and Treasury Management experience.
• A four-year degree in accounting, business, finance, or related field; CPA a plus.
• Excellent knowledge of business lending and Treasury Management regulations and products.

Responsabilités

• Evaluate and review complex business loan and Treasury Management requests.
• Recommend loan structures and Treasury Management products to lenders.
• Prepare analyses, spreadsheets, and loan activity reports for committees.
• Serve as SBA loan approval process expert.

Connaissances

Financial analysis

Lending experience

Treasury Management

Excel

Regulatory knowledge

Formation

Bachelor's degree in accounting, business, finance

Outils

ACH

Remote deposit capture

Description du poste

This positions primary responsibility is to provide expert financial analysis and credit worthiness of existing and new business lending and Treasury Management clients. In addition, the candidate will be responsible for managing the special assets and troubled loan monitoring for watchlist credits.

DUTIES & RESPONSIBILITIES:

• Evaluate andReviewcomplexclientsbusiness loan and Treasury Management requests.
• Makesrecommendations to lenders onstructureof loans and Treasury Management products.
• Ability to read, analyze, and interpret complex documents to assess risk factors and degrees of risk.
• Manage the ongoing review of credit relationships including loan memorandums and annual reviews.
• Providerecommendationto the lenders on credit structure based on working knowledge and credit policy.
• Primary contact and subject matter expert for SBA loan approval process.
• Review and prepare written analysis, spreadsheets, reports,summariesand opinions for all loanactivities.
• Excellentunderstanding of ratios, global universal cash flow analysis isa must.
• Service as a credit policy and procedure expert for the business lenders and Treasury Management.
• Independently prepares and presents toLoan/CreditCommitteethe troubledloan monitoring reports.
• Oversee the special assets and watchlist credits for commercial lending.
• Assistthe accounting department with risk assessments on commercial, mortgage, and consumer lendingportfolio.
• Work directly with external regulators on documentation and analysisrequested.

This role will interact with individual contributors within Thrivent, external vendors, contractors and/or consultants, Thrivent clients, Thrivent Senior Management,Board of Directors,manager and/or directors within Thrivent.

QUALIFICATIONS & SKILLS:

Required:

• 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 orequivalent inexperience is aminimum requirement. CPA designation a plus.
• Excellent knowledge of business lending and Treasury Management regulations and products/serviceincluding ACH and remote deposit capture.
• Work with lenders to explain to customers thedifferentfeaturesand benefits of the products/services.
• Demonstrates excellent knowledge and application of business lending and Treasury Management creditpolicies and procedures.
• Excellent knowledge ofbankindustry and ability to present a professional and dynamic image.
• Able to produce results without direct supervision.
• Relieson experience and judgment to plan andaccomplishassigned tasks.
• Assistin orienting and traininglower levelemployees.
• Mustexhibitexcellent human relations and change management skills.

Preferred:

• Strong Excel experience, including proficiency with advanced formulas, pivot tables, and data analysis.
• Non-profit lending and underwriting experience.
• Experience underwriting complex CRE loan requests.

Pay Transparency Thrivent’s long-term growth depends on attracting, rewarding, and retaining people who are committed to helping others thrive with purpose. We accomplish this by offering a wide variety of market competitive compensation programs to attract, reward, and retain top talent. The applicable salary or hourly wage range for this full-time role is $63,886.00 - $86,434.00 per year, which factors in various geographic regions. The base pay actually offered will be determined by a variety of factors including, but not limited to, location, relevant experience, skills, and knowledge, business needs, market demand, and other factors Thrivent deems important.

Thrivent is unique in our commitment to helping people to be wise with money and live balanced and generous lives. That extends to our benefits. The following benefits may be offered: various bonuses (including, for example, annual or long-term incentives); medical, dental, and vision insurance; health savings account; flexible spending account; 401k; pension; life and accidental death and dismemberment insurance; disability insurance; supplemental protection insurance; 20 days of Paid Time Off each year; Sick and Safe Time; 10 paid company holidays; Volunteer Time Off; paid parental leave; EAP; well-being benefits, and other employee benefits. Eligibility for receipt of these benefits is subject to the applicable plan/policy documents. Thrivent’s plans/policies are subject to change at any time at Thrivent’s discretion.

Thrivent provides Equal Employment Opportunity (EEO) without regard to race, religion, color, sex, gender identity, sexual orientation, pregnancy, national origin, age, disability, marital status, citizenship status, military or veteran status, genetic information, or any other status protected by applicable local, state, or federal law. This policy applies to all employees and job applicants.

Thrivent is committed to providing reasonable accommodation to individuals with disabilities. If you need a reasonable accommodation, please let us know by sending an email to [e-mail] or call 800-847-4836 and request Human Resources.

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