Sr Credit Analyst - Bank

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

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 and Review complex clients business loan and Treasury Management requests.
• Makes recommendations to lenders on structure of 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.
• Provide recommendation to 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, summaries and opinions for all loan activities.
• Excellent understanding of ratios, global universal cash flow analysis is a must.
• Service as a credit policy and procedure expert for the business lenders and Treasury Management.
• Independently prepares and presents to Loan/Credit Committee the troubled loan monitoring reports.
• Oversee the special assets and watchlist credits for commercial lending.
• Assist the accounting department with risk assessments on commercial, mortgage, and consumer lending portfolio.
• Work directly with external regulators on documentation and analysis requested.

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 or equivalent in experience is a minimum requirement. CPA designation a plus.
• Excellent knowledge of business lending and Treasury Management regulations and products/service including ACH and remote deposit capture.
• Work with lenders to explain to customers the different features and benefits of the products/services.
• Demonstrates excellent knowledge and application of business lending and Treasury Management credit policies and procedures.
• Excellent knowledge of bank industry and ability to present a professional and dynamic 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.

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.

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 reasonab