Senior Credit Analyst or Underwriter/- Professional Home Builder Finance

JOB DESCRIPTION

WHY IS THIS A GREAT OPPORTUNITY?

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Our firm has been engaged by a leading community bank to find a Credit Analyst in Professional Home Builder Finance!

This opportunity is with an extremely well capitalized community bank with savvy ex-big bank leadership.

Problem asset/non-accrual loan percentages among the lowest in the industry.

Please note: Please submit your cofidential resume for more information about this excellent career opportunity. Candidates with incomplete or partial profiles will not be reviewed. Client will NOT entertain candidates from the residential mortgage lending industry and applicants from candidates with that background will be discarded.

JOB DESCRIPTION

The Credit Analyst with Professional Home Builder Finance 

1. Assigned portfolio of clients and prospective clients classified as low to medium risk and dollar value within the company's overall client population. Demonstrates independent judgment and decision making authority while managing the assessment of and servicing these complex clients, with equally complex issues. Applies knowledge of the credit/risk management processes to ensure the appropriate balance between company risk and customer/client focus and relationship is maintained. May provide assistance to senior team members managing more complex and diverse portfolios.

2.  Conducts loan portfolio research to determine the quality, character and soundness of lending services, includes but not limited to: analysis of extensive statistical data & financial statements, sensitivity analysis, industry analysis, management assessment, guarantor analysis, etc. Ensures the consistent use of well supported and factual analyses and processes to determine and recommend risk ratings.

3. Ensure the following standard operating procedures are met when preparing analyses, reports, and presentations for management review: accurate spreading of historical financial statements, prudently prepared projections, free of repetitious spread numbers and superfluous narrative, and represents a clear focus on the merits, risks, and mitigates accordingly. Ensures each step of the process is in compliance with all company and regulatory guidelines, policies, procedures and methodology.

4. Partners with commercial bankers to screen loan packages, collect 'due diligence' materials, and interact with customers and accountants. Provide analytical support developing and maintaining, credit studies, financial background information and other relevant data on present and prospective customers. Analyses present and proposed lending processes and recommends optimum course of action to maximize member service profitability while providing a complete risk/delinquency analysis.

5. Assists with developing and maintaining management reporting systems both manual and automated, that provides an accurate and readily available reference library of loan portfolios, client current and historical data, reports, SOP, etc. Ensures all support documentation both prepared and submitted are incompliance and retained in accordance with the company's records retention policy.

QUALIFICATIONS

Minimum 3 years traditional commercial bank career related experience with demonstrable work experience in analyzing and interpreting corporate and personal financial statements and tax returns.

Knowledge of credit risks analysis and underwriting principles, methods and practices.

Experience must be weighted towards professional home builder finance credit analysis, NOT incoming producing CRE loans or C&I.

Knowledge of regulatory requirements.

Demonstrated competency and experience in developing solutions to basic credit related issues.

Experience in performing diverse analysis and preparing supporting documentation for management review. Knowledge of financial accounting theory, methodology and logic.

Total Years of Experience:
3-4+