Credit Analyst III
Sovereign Bank
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Job Description
Through the use of financial statements, tax returns, and projections, analyze the creditworthiness of existing and prospective consumer and commercial borrowers. Prepare Credit Memos, including credit analyses, financial statement spreads, strengths and weaknesses, and summaries of loan requests in preparation for Loan Committee and/or Board of Directors approval. Monitor all loans for potential deterioration in creditworthiness and make recommendations within Loan Policy guidelines with respect to risk grades and loan classification. Monitor macroeconomic trends and conditions in borrowers’ specific industries, and make recommendations with respect to external issues that may affect the borrower. Identify and offer potential solutions to mitigate risk.
Key job functions: (Includes current duties, primary objectives, and responsibilities which are critical to the successful performance of the position)
- Prepare credit analyses for complex existing and proposed C&I and income-producing CRE credits.
- Assist lending staff and junior analysts with applying underwriting and loan structuring best practices.
- Continuously monitor loan portfolio for potential deterioration in creditworthiness, and make recommendations to senior management with respect to risk grades or other actions.
- Accompany Loan Officers on customer calls if requested.
- Participate in weekly Loan Committee meetings.
- Assist with preparing annual stress test of the loan portfolio.
- Perform other duties as required.
- Principles and application of UCA cash flow
- Analyzing and interpreting the components and application of the cash conversion cycle
- Reading and understanding real estate appraisals, real estate leases, rent roll turnover analysis, and advanced concepts of income-producing CRE
- Excellent interpersonal and communication skills, with focus on quality and integrity.
- Strong oral and written communication, with effective interpersonal and relationship management skills to engage individuals at all levels of the organization.
- Assertive, results driven, self-motivated, with the ability to effectively plan and manage multiple projects.
- Flexible and adaptable to the workplace environment (work is generally independent and collaborative in nature).
- Bachelor’s degree, preferably with an emphasis in finance, economics, or accounting.
- 5+ years of experience as a bank credit analyst or similar field.
- Proficiency with Microsoft Office software (Word, Excel, Outlook).
- Hearing, speech, close vision
- Sitting, including computer use
- Driving with own transportation to other branches for meetings/workshops
- On occasions, may be required to lift and/or move up to 25 pounds
- Job responsibilities may include standing, walking, lifting, kneeling, and crouching
NOTE: Sovereign Bank does not accept unsolicited resumes through or from search firms or staffing agencies. All unsolicited resumes will be considered the property of Sovereign Bank, and Sovereign Bank will not be obligated to pay a placement fee.
About The Company
Sovereign Bank
Community-focused, Tribally-owned. Sovereign Bank is the nation's largest tribally-owned bank, committed to investing in the people we serve. From our customers, to our employees, to the Citizen Potawatomi Nation, our communities are our focus. At Sovereign Bank, we offer our customers the personal attention of a community bank backed by the capabilities of a large bank. You can bank confidently knowing we aren't just here to protect your money, but to give you the Freedom to Dream. By leveraging the power of real relationship banking, we're able to deeply understand and serve our communities, providing the best solution for each unique situation. We provide the personal and business banking products and services that get you where you want to go, helping you walk through doors of opportunity with confidence, build a strong future, and meet life's challenging moments. * Personal Checking & Savings * Mortgage, Personal and Commercial Loans * Savings and Investment Opportunities * Business/Cash Flow Management * Remote Deposit Capture * Retirement Planning * Online Banking Sovereign Bank has 10 locations in central and western Oklahoma: Shawnee, Oklahoma City, Midwest City, Holdenville, Lawton (two locations), Mangum, Granite, Canute and Edmond (LPO). Since its founding in 1983, Sovereign Bank has grown steadily through sound financial management practices and by investing time, energy and resources in the communities we serve.
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