Job details The position of Credit Analyst will provide loan support to the Lenders in accordance with the organization's Mission Statement and Core Values. The position will work with internal personnel, customers, both current and prospect, and vendors, such as title companies, insurance companies and government entities. The responsibilities include providing competent credit analysis for lending activities, conduct credit reviews, assists with annual renewals, supporting the lenders as needed. ...
Responsibilities:
- Credit Analysts are given an excellent opportunity to learn the Commercial Lending process as mentored by Loan Officers
- Assist Lenders in analyzing existing and new customer requests
- Order, interpret, and analyze credit reports
- Collect and analyze tax returns and financial statements to assist in the preparation of loan write-ups, identifying customer strengths/weaknesses and questions/concerns to be raised with the client
- Prepare financial forecasts and pro forma statements in consultation with Lenders to assist in the assessment of borrower capacity
- Prepare detailed Credit Memorandums with defined Credit Quality Expectations within Credit policies and procedures for review and approval
- Responds to internal and external inquiries
- Supports Commercial Lenders in the servicing and management of business customers and commercial loan portfolios
- May assist Lenders as needed in commercial construction projects by maintaining cost breakdown spreadsheets. Prepare draw requests and gather lien waivers
- Drafts commercial loan setup sheets
- Serve as the liaison between Lenders and Loan Processing, coordinate the request/receipt of business and personal financial statements
- Assist with reviewing all 3rd party reports required for loan approval
- Examines documents to ensure accuracy and compliance with existing guidelines, policies, and procedures
- Ensures credit and document files are complete and organized and have no exceptions
- Review loan documents prior to closing and close loans with customers in the absence or at the request of the Lender
- Loan pipeline management ensuring key milestones are met and that the file closes in a timely manner
- Annual renewals: ensure loans are renewed on a timely basis, assisting with the renewal process and filing comments
- Review portfolio reports to be informed of workflow, maturing loans, covenant compliance, etc
- Proactive communication on loan status to borrowers
- Review and apply SBA guidelines for SBA loan application, review, and closing.
- Supports Loan Assistants as needed, and acts as their backup
- Maintain files, copies, faxed documents, and records documents
- Orders flood certifications, appraisals, inspections, title insurance, UCC searches, and surveys as needed.
- Engages appraisers at the request of Commercial Lenders
- Clears all commercial loan documentation deficiencies and provides ongoing servicing of the loan portfolio
- Image loan documents within established timelines

Working hours: 8:00 AM - 5:00 PM

Skills:
- Bachelor's Degree in Finance, accounting or related field desired
- Prior experience in loan support or loan processing helpful
- Previous clerical/administrative experience in a customer service setting preferred
- Participate in credit training to remain current on standards and expectations
- Maintain knowledge of banking products and services
- Provide exceptional customer service while maintaining knowledge of Bank policies and procedures, applicable laws and regulations/compliance requirements

Education:
High School

Experience:
1-4 years

Qualifications:
- Minimum of two years prior Banking experience and/or a combination of education and experience
- Have strong mathematical and analytical skills
- Must be bondable
- Able to research and evaluate data to make informed decisions and solve problems
- Must have good writing and editing skills
- Computer proficiency required - the ability to use the internet, email, and Microsoft Office Word and Excel


Apply now at www.spherion.com/apply/75034

Spherion has helped thousands of people just like you find work happiness! Our experienced staff will listen carefully to your employment needs and then work diligently to match your skills and qualifications to the right job and company. Whether you're looking for temporary, temp-to-perm or direct hire opportunities, no one works harder for you than Spherion.

Equal Opportunity Employer: Race, Color, Religion, Sex, Sexual Orientation, Gender Identity, National Origin, Age, Genetic Information, Disability, Protected Veteran Status, or any other legally protected group status.

At Spherion, we welcome people of all abilities and want to ensure that our hiring and interview process meets the needs of all applicants. If you require a reasonable accommodation to make your application or interview experience a great one, please contact Callcenter@spherion.com.

Pay offered to a successful candidate will be based on several factors including the candidate's education, work experience, work location, specific job duties, certifications, etc. In addition, Spherion offers a comprehensive benefits package, including: medical, prescription, dental, vision, AD&D, and life insurance offerings, short-term disability, and a 401K plan (all benefits are based on eligibility).

Show lessShow more The position of Credit Analyst will provide loan support to the Lenders in accordance with the organization's Mission Statement and Core Values. The position will work with internal personnel, customers, both current and prospect, and vendors, such as title companies, insurance companies and government entities. The responsibilities include providing competent credit analysis for lending activities, conduct credit reviews, assists with annual renewals, supporting the lenders as needed.

Responsibilities:
- Credit Analysts are given an excellent opportunity to learn the Commercial Lending process as mentored by Loan Officers
- Assist Lenders in analyzing existing and new customer requests
- Order, interpret, and analyze credit reports
- Collect and analyze tax returns and financial statements to assist in the preparation of loan write-ups, identifying customer strengths/weaknesses and questions/concerns to be raised with the client
- Prepare financial forecasts and pro forma statements in consultation with Lenders to assist in the assessment of borrower capacity
- Prepare detailed Credit Memorandums with defined Credit Quality Expectations within Credit policies and procedures for review and approval ... - Responds to internal and external inquiries
- Supports Commercial Lenders in the servicing and management of business customers and commercial loan portfolios
- May assist Lenders as needed in commercial construction projects by maintaining cost breakdown spreadsheets. Prepare draw requests and gather lien waivers
- Drafts commercial loan setup sheets
- Serve as the liaison between Lenders and Loan Processing, coordinate the request/receipt of business and personal financial statements
- Assist with reviewing all 3rd party reports required for loan approval
- Examines documents to ensure accuracy and compliance with existing guidelines, policies, and procedures
- Ensures credit and document files are complete and organized and have no exceptions
- Review loan documents prior to closing and close loans with customers in the absence or at the request of the Lender
- Loan pipeline management ensuring key milestones are met and that the file closes in a timely manner
- Annual renewals: ensure loans are renewed on a timely basis, assisting with the renewal process and filing comments
- Review portfolio reports to be informed of workflow, maturing loans, covenant compliance, etc
- Proactive communication on loan status to borrowers
- Review and apply SBA guidelines for SBA loan application, review, and closing.
- Supports Loan Assistants as needed, and acts as their backup
- Maintain files, copies, faxed documents, and records documents
- Orders flood certifications, appraisals, inspections, title insurance, UCC searches, and surveys as needed.
- Engages appraisers at the request of Commercial Lenders
- Clears all commercial loan documentation deficiencies and provides ongoing servicing of the loan portfolio
- Image loan documents within established timelines

Working hours: 8:00 AM - 5:00 PM

Skills:
- Bachelor's Degree in Finance, accounting or related field desired
- Prior experience in loan support or loan processing helpful
- Previous clerical/administrative experience in a customer service setting preferred
- Participate in credit training to remain current on standards and expectations
- Maintain knowledge of banking products and services
- Provide exceptional customer service while maintaining knowledge of Bank policies and procedures, applicable laws and regulations/compliance requirements

Education:
High School

Experience:
1-4 years

Qualifications:
- Minimum of two years prior Banking experience and/or a combination of education and experience
- Have strong mathematical and analytical skills
- Must be bondable
- Able to research and evaluate data to make informed decisions and solve problems
- Must have good writing and editing skills
- Computer proficiency required - the ability to use the internet, email, and Microsoft Office Word and Excel


Apply now at www.spherion.com/apply/75034

Spherion has helped thousands of people just like you find work happiness! Our experienced staff will listen carefully to your employment needs and then work diligently to match your skills and qualifications to the right job and company. Whether you're looking for temporary, temp-to-perm or direct hire opportunities, no one works harder for you than Spherion.

Equal Opportunity Employer: Race, Color, Religion, Sex, Sexual Orientation, Gender Identity, National Origin, Age, Genetic Information, Disability, Protected Veteran Status, or any other legally protected group status.

At Spherion, we welcome people of all abilities and want to ensure that our hiring and interview process meets the needs of all applicants. If you require a reasonable accommodation to make your application or interview experience a great one, please contact Callcenter@spherion.com.

Pay offered to a successful candidate will be based on several factors including the candidate's education, work experience, work location, specific job duties, certifications, etc. In addition, Spherion offers a comprehensive benefits package, including: medical, prescription, dental, vision, AD&D, and life insurance offerings, short-term disability, and a 401K plan (all benefits are based on eligibility).

Show lessShow morekey responsibilities

- Credit Analysts are given an excellent opportunity to learn the Commercial Lending process as mentored by Loan Officers- Assist Lenders in analyzing existing and new customer requests- Order, interpret, and analyze credit reports- Collect and analyze tax returns and financial statements to assist in the preparation of loan write-ups, identifying customer strengths/weaknesses and questions/concerns to be raised with the client- Prepare financial forecasts and pro forma statements in consultation with Lenders to assist in the assessment of borrower capacity- Prepare detailed Credit Memorandums with defined Credit Quality Expectations within Credit policies and procedures for review and approval- Responds to internal and external inquiries- Supports Commercial Lenders in the servicing and management of business customers and commercial loan portfolios- May assist Lenders as needed in commercial construction projects by maintaining cost breakdown spreadsheets. Prepare draw requests and gather lien waivers- Drafts commercial loan setup sheets- Serve as the liaison between Lenders and Loan Processing, coordinate the request/receipt of business and personal financial statements- Assist with reviewing all 3rd party reports required for loan approval- Examines documents to ensure accuracy and compliance with existing guidelines, policies, and procedures- Ensures credit and document files are complete and organized and have no exceptions- Review loan documents prior to closing and close loans with customers in the absence or at the request of the Lender- Loan pipeline management ensuring key milestones are met and that the file closes in a timely manner- Annual renewals: ensure loans are renewed on a timely basis, assisting with the renewal process and filing comments- Review portfolio reports to be informed of workflow, maturing loans, covenant compliance, etc- Proactive communication on loan status to borrowers- Review and apply SBA guidelines for SBA loan application, review, and closing.- Supports Loan Assistants as needed, and acts as their backup- Maintain files, copies, faxed documents, and records documents- Orders flood certifications, appraisals, inspections, title insurance, UCC searches, and surveys as needed.- Engages appraisers at the request of Commercial Lenders- Clears all commercial loan documentation deficiencies and provides ongoing servicing of the loan portfolio- Image loan documents within established timelines

experience

1-4 years

skills

- Bachelor's Degree in Finance, accounting or related field desired- Prior experience in loan support or loan processing helpful - Previous clerical/administrative experience in a customer service setting preferred- Participate in credit training to remain current on standards and expectations - Maintain knowledge of banking products and services - Provide exceptional customer service while maintaining knowledge of Bank policies and procedures, applicable laws and regulations/compliance requirements

qualifications

- Minimum of two years prior Banking experience and/or a combination of education and experience- Have strong mathematical and analytical skills- Must be bondable- Able to research and evaluate data to make informed decisions and solve problems - Must have good writing and editing skills - Computer proficiency required - the ability to use the internet, email, and Microsoft Office Word and Excel

education

High School

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