Responsible for the initial underwriting and ongoing monitoring of Commercial and Industrial Loans.
1. Primarily underwriting of C&I loans and owner-occupied Commercial Real Estate
Work with loan officer to gather all information necessary in the underwriting process
Attend Client/Prospect meetings as requested
Work with loan officer to structure the loan as required by Bank policy and regulatory standards
Prepare preliminary and final loan approval documents including Opportunity Memos and Loan Committee Presentations
Assist loan officer in the preparation of Proposal Letters and Commitment Letters
Under the supervision of the loan officer, assist in the negotiation of loan and collateral documentation
Assist loan officer/loan administrator in gathering necessary loan closing documents
2. Ongoing monitoring and periodic analysis of assigned lending relationships as required by Bank policy and regulatory standards
Reviews and analysis of annual financial statements and supporting documents
Reviews and analysis of interim financial statements
Covenant compliance testing
3. Ongoing loan administration
Responding to client inquiries
Assist loan officer/loan administrator in funding loan draw requests
Assist loan officer/loan administrator in clearing loan and collateral exceptions, past due notes and overdrawn deposit accounts
4. Other duties
Assist with the analysis of Criticized/Classified loans
Attend Management Loan Committee meetings and Director’s Loan Committee meetings as requested
Other duties as assigned
KNOWLEDGE, SKILLS & ABILITIES
Strong verbal and written skills
Strong understanding of accounting concepts
Strong understanding of cash flow analysis
Understanding of collateral analysis and valuation
Proficient in Microsoft Office Applications, including Excel and Word
Ability to interact with clients and prospects in a professional, tactful manner
Ability to collaborate with loan officers, loan operations staff, and loan approval officers to help the team accomplish production goals
TRAINING & EXPERIENCE
Bachelor’s degree or higher with a business major, preferably in Accounting or Finance
Completion of a formal credit training program, preferably through a bank credit department preferred
Minimum 2 to 3 years of Commercial Lending Credit analysis
Internal Number: 2018 - 11
About First Bank of Highland Park
First Bank of Highland Park is a community bank committed to our Clients and the community at large. We have worked side-by-side with our Clients since 1955 combining practicality with creativity, while always remaining a consistent and steady financial partner in good and bad economies.
Our mission is to provide our Clients with exceptional service coupled with competitive rates and products without bureaucracy. We understand that banking today is more challenging than yesterday, but as a family business, we understand the advantage of being able to remain visionary and focused on the long term picture. Additionally, being independently owned and operated, allows us the authority and flexibility to make decisions quickly. That translates to exceptional service from experienced bankers and staff.
First Bank of Highland Park offers an exceptional benefits program and a highly competitive compensation package.
First Bank of Highland Park conducts credit and background checks on all candidates.
First Bank of Highland Park is an Equal Opportunity Employer: disability/veteran.