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Sr. Credit Analyst/ SBA

Job Description

Job Title: Sr. Credit Analyst - SBA

Date: 03/14/2022

Salary Grade: $65,000 - $75,000

Grade: A, B, C, D, E

Dept/Group Name: Risk

Full-Time/Part-Time: Full-Time

Location: Denver Metro

Exempt Status: Exempt

Reports to Title: SBA Operations Manager

Corporate/Committee Title: Credit Analyst

Version

1– 03.14.2022

SUMMARY OF JOB (Describe the primary purpose of this position)

This position primarily supports the SBA Group and will collect, compile, and analyze complex credit information for Portfolio Managers, Bankers, and Credit Administration to facilitate portfolio monitoring and lending decisions. This position may also be asked to help support commercial credit requests (C&I, Real Estate, Construction, Private Banking, etc.). The credit analyst role will work closely with Bankers, Portfolio Managers, Credit Administration, and Customers to ensure portfolio monitoring and credit underwriting process is supportive and collaborative.

The focus of this job is on producing high quality, detailed work based on established standards, guidelines and procedures. Precise and consistent work output is essential, requiring patience and a willingness to handle and complete one task at a time. Consistent, error free work based on defined regulations and standards are key measures of job performance success. This position is designed to develop a valued technical expert, who, recognized and supported by management and a stable work environment, can deliver quality work on a consistent basis.

ESSENTIAL JOB RESPONSIBILITIES (List the 8-10 most important job responsibilities)

  1. Conduct credit and statistical analyses for SBA, C&I, Real Estate, Construction, Private Banking, and other commercial requests, with assistance from Banker and Portfolio Manager team. Analyze to entail the completion of spreads, cash flows, covenant tests, portfolio monitoring, annual reviews, filing of financial documents to the bank's core system and some underwriting.
  2. Organize and analyze financial statements, cash flow data, tax returns, rent rolls/tenant leases, collateral, Borrower/Guarantor credit histories and other related materials.
  3. Collect and compile pertinent credit data to prepare financial spreads and cash flows within acceptable SLAs. Assist Bankers and Loan Assistants with ongoing portfolio monitoring (financial reporting, loan covenants, annual reviews, etc.) of Customers' financial performance based on existing Bank polices and loan agreements.
  4. Calculate pertinent financial ratios and other financial data as appropriate.
  5. Maintain current knowledge and follow all bank financial and security regulations and procedures.
  6. Embody, embrace, and demonstrate InBank's Core Values: Commitment, Innovation, Responsibility, Teamwork, Happiness, and Authenticity.
  7. Other duties as assigned.





PI169805193

Company
InBank
Posted
04/20/2022
Type
Full Time
Salary Range
$65,000.00 - $75,000.00
per Year
Location
Denver Metro, CO, 80221, US