The Credit Analyst - Special Assets is responsible for assisting in the decision-making process during credit reviews and by analyzing the financial condition of individuals and businesses. The Analyst will prepare in-depth analysis including spreading of financial statements, running projections, collateral evaluations, and overall credit worthiness. This position may also enhance the loyalty and profitability of existing relationships, assist with the growing new profitable relationships, and refer opportunities to other parts of the company.

RESPONSIBILITIES

• Support Special Assets Portfolio Managers with detailed analysis of financial statements to identify, interpret, and explain root cause of trends in operating performance, financial condition and cash flow as these relate to credit risk.
• Prepares Problem Loan Reports, loan reviews, Impairment Analysis and CMC Monitoring.
• Prepares Impairment analysis.
• Performs analysis of various client reports, such as A/R & A/P agings, and computes the borrowing base pursuant to the loan agreement.
• Request updated appraisal evaluations on properties.
• Responsible for appraisal monitoring for Sox Control.
• Works with Loan Servicing to ensure advances are processed correctly and in a timely manner.
• Prepares Needs List, Notices of Intent and certified mailings on delinquent loans.
• Assists with spreading financial statements related to loan agreement monitoring, as needed.
• Serves as backup on Management Reports.
• Assist with preparation of SBA guarantee Purchase package's to ensure accuracy and completion.
• Prepares documentation for submission to the foreclosure service.
• Prepares documentation for outside counsel on all legal issues.
• Identify and report to appropriate channels any significant document discrepancies pertaining to loan and collateral.
• Confirm and track borrowers' compliance with loan conditions and covenants.
• Facilitates preparation of financial request letters through CASH OnTrack, and follow up for receipt.
• Create reports within CASH OnTrack for ongoing portfolio monitoring. Orders property profile reports as required.
• Periodically and accurately report to the management as to the status of all assigned task.
• Other duties as assigned.

QUALIFICATIONS

• Minimum 1-3 years of commercial/consumer credit experience.
• Experience spreading financials preferred.
• Experience with Cash/Moody's software preferred.
• Proficiency with Microsoft Office required.

A reasonable, good faith estimate of the minimum and maximum base salary or pay for this position is $24.53 to 36.79. Actual compensation will vary based on various factors including but not limited to location, experience, and performance. A discretionary bonus and/or business line incentive may be provided, in addition to a medical and other benefits, dependent on the position. For more information regarding our benefits, please visit