Senior Financial Analyst performing project tasks and financial analysis for Allegheny Health Network. Collaborating with various teams and providing expert guidance on budgeting and financial performance.
HB
Onsite Credit Underwriting Officer – Inventory Finance
Posted 1 hour ago
About the role
- Credit Underwriting Officer analyzing and monitoring credit worthiness of customers/accounts. Responsible for underwriting loans, reviewing applications, and presenting to loan committee.
Responsibilities
- Underwrite high quality credit narratives in support of new and existing loans
- Review and analyze various transactions
- Includes review and analysis of applications, financial statements, balance sheets, D&B reports, etc.
- Spreading business financial statements and tax returns using Moody's software to analyze multi-year trends and ratios from financial information
- Understand cash flow from operations, which includes identifying recurring and non-recurring sources of cash flow
- Research industry trends and risks
- Perform collateral analysis including accounts receivable, inventory, real estate and investments
- Run credit reports and gather/analyze KYC information
- Spread personal financial statements and tax returns for individual guarantors, develop borrower and guarantor global cash flow analysis
- Work with other areas to monitor delinquency, delinquency trends and repossession activity
- Conduct annual financial statement follow-up to borrowers and track and monitor the receipt by the Bank of this information
- Prepare written recommendation as to whether the proposed loan should be approved as presented, and provide alternate loan structure recommendations
- Present to loan committee for loan approvals
- Communicate decisions
- Provide leadership and guidance to less experienced analysts; coach and mentor as appropriate
- Lead special projects as needed
- Perform other duties as assigned
Requirements
- Bachelor’s degree in Finance, Accounting, Business or related field
- 5+ years commercial credit underwriting experience
- Prior credit approval authority preferred
- Ability to independently structure and underwrite most loan requests
- Established network of business clients, prospects, and referral sources
- Detail oriented with the ability to analyze cash flow, leverage and gauge customer strength
- Excellent written/verbal communication and presentation skills
- Experience coaching and developing others, informally or formally
- Experience in lending to a wide variety of industries, loan types, and sizes of companies
- Superior technical skills
Benefits
- Health insurance coverage
- Wellness program
- Life and disability insurance
- Retirement savings plan
- Paid leave programs
- Paid holidays
- Paid time off (PTO)
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