Location:
For Those Who Work At Home - Various, Ohio 44145
"* Interpret cash flow, balance sheet, income statements, and tax returns (both personal and business) to determine credit worthiness.
* Use credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
* Review financial statements and all other relevant financial analysis as well as non-financial data to develop a concise focused analytical foundation for a credit decision.
* Deep understanding of risk rating models and tolerances .
* Develop the credit write-up to determine loan structuring opportunities to present to Credit Officers.
* Make accurate recomendations in granting loan requests using understanding of credit and risk management concepts.
* Approve loan transactions within applicable lending authority.
* Provide value-added feedback to the approving Credit Officer through the use of risk/mitigant analysis.
* Projects client's/prospect's profitability through detailed financial projections incorporating financial and non-financial issues.
* Assists Relationship Manager with AQR preparation; client follow-up for covenant violations; financial statement submission; maturity date renewals; past due reporting, etc..
* Advise and recommend alternative means of financing when it is determined existing loan structure is not in the best interest of the bank or the client.
* Project and translate risk factors into actionable steps to control portfolio asset quality.
* Assess liquidity, quality of management, market position, and overall business climate to estimate future profitability of business.
* Evaluate applicant's credit needs, financial strength and other background information to determine if request for credit is an acceptable risk.
* Ability to interpret external market data and client trends and uses knowledge to make informed credit decisions.
* Coordinates requests for additional information through relationship managers or KeyCenter associates.
* Advocate risk culture with peers and partners.
* Periodic assignments related to the constantly changing risk management environments.
* When necessary, communicate with the client/prospect to gather data to clarify complex information.
* Based upon the financial analysis, assess the primary elements of risk and the proposed mitigants.
* Perform pro forma modeling to assess the future performance of the client/prospect.
* Utilizing the standard software application, prepare all spreadsheets and credit presentations.
* Attend meetings and participate in joint calls with the relationship managers and their respective Bank clients when necessary.
* Monitor assigned portfolio of existing clients for deterioration and document findings on a quarterly basis.
* Validate all risk ratings within assigned portfolio on a quarterly basis and ensure that they are correct on the various loan accounting systems within the Bank.
* Complete all covenant testing of assigned portfolio on a quarterly basis or as designated.
* Serve as a training resource or knowledge source for lower level underwriting staff as requested.
* Adhere to department and corporate guidelines, policies and compliance procedures.
* Maintain constructive and professional interaction with regulators, consultants and other internal and external business partners.
* Periodically travel to meet with clients or assess financial viability of lending requests.
* Communicate directly with participant lenders as required.
* Monitor client's inventory/financing needs to ensure adequacy of approved financing commitments.
* Monitor age and mix of financed inventory.
* Recommend modifications to financing commitments as appropriate and approve within limits of authority.