Commercial Credit Risk Analyst 9/8/2016
Federal Savings Bank
JOB DESCRIPTIONAPPLY Commercial Credit Risk Analyst
The Commercial Credit Risk Analyst is responsible for providing analytical and risk management support to the commercial loan production process by accurately analyzing credit and financial information related to new and existing loan relationships, and to comply with the Bank's loan policies and procedures to ensure the overall quality of the Bank's
lending portfolio. Duties include reviewing, analyzing and presenting credit information for use by lending officers or committees in making credit and loan rating decisions on new and renewal commercial extensions of credit and performing ongoing monitoring of the existing portfolio. Oversees the commercial appraisal function to include the review of
third party appraisals to ensure the report is in compliance with Title XI of FIRREA. Coordinates and oversees the quarterly asset quality review process. This role may also be involved in special projects resulting from changes in the regulatory environment and prepare/create processes and procedures surrounding the proposed changes. Assures compliance with all Bank policies and procedures, as well as, all applicable state and federal banking regulations.
Essential Job Functions
Performs assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends including preparation of financial spreads, analysis of financial statements, obtaining and analyzing credit reports, calculation of ratios, industry research, and completion of credit memos and risk rating reviews. Reviews loan presentations to ensure that individual loans are risk rated correctly for Loan Committee submissions. Oversees the commercial appraisal and environmental report functions. Orders appraisals and environmental reports from the Bank's approved vendor list, and performs in depth analysis of each Report upon receipt. Works directly with appraisers on any questions/issues that may surface in order to ensure an accurate report is provided. Maintains the Bank's Commercial Loan approved appraiser list, ensuring that the Bank has up to date documentation regarding credentials/licensing/insurance requirements. The bank recognizes that timely, accurate appraisals and evaluations providing unbiased opinions and objective analyses are an important component of the real estate loan underwriting process and other real estate owned management process. Accordingly, the bank has structured this position in an effort to temper risk through evaluating third party appraisals to ensure safe and sound real estate lending activity. Cross training and back-up for Credit Administration functions including management report preparation and ALLL calculation. Be involved in special projects that are the result of changes in the regulatory environment and prepare/create processes and procedures surrounding the proposed changes. Coordinates and oversees the quarterly asset quality review process including preparing the agenda, distributing completed reports for review, maintaining meeting minutes, and ensuring risk grade changes are completed. Develops and maintains knowledge of financial industry, economy, and market conditions. Spread financial statements/tax returns and prepare global cash flow analyses for commercial loan officers as needed. Coordinates the Loan Committee process including preparation and distribution of the agenda and maintaining records of the minutes. Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank's image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena.
Other Duties & Responsibilities
Performs additional duties as requested. Actively participate in industry trade group meetings and educational programs to remain abreast of current issues and regulatory requirements affecting the Bank. Participate in Loan Officers Review Committee, ALCO, Pricing Committee, Risk Management Committee and other staff meetings as required.
Bachelor's degree (BA) from a college or university; 5 year minimum related experience; or the equivalent combination of education and experience. Work related experience
should consist of commercial financial analysis, lending background or credit risk. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. Advanced experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas. Strong working knowledge of Title XI of Federal Financial Institute Reform Recovery act Enforcement Act of 1998, and the Uniform Standards of Professional Appraisal Practice (USPAP) as promulgated by the Appraisal Standard Board of the Appraisal Foundation. Mastered experience, knowledge and training in all lending activities and terminology to include commercial/industrial, commercial real estate and construction lending. Strong background in risk management to include, banking regulations, risk rating accuracy and ability to interact with banking regulators and loan review. Knowledge of related state and federal lending and compliance regulations, and other Bank lending policies. Excellent organizational and time management skills. Intermediate skills in computer terminal, typing and personal computer operation; mainframe computer system; word processing, spreadsheet and specialty software programs. Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions, write reports, correspondence and procedures. Ability to work with no supervision while performing duties.
Federal Savings Bank is an equal opportunity employer and Affirmative Action Employer. We do not discriminate in hiring, promotion, or other employment decisions on the basis of race, sex, gender identity, color, pregnancy, religion, national origin, sexual orientation, marital status, disability, genetic information, age, protected veteran or military status, or any other basis protected by law. Disabled applicants requiring reasonable accommodation in the application and/or interview process should notify the Human Resources Department.