Responsible for underwriting and credit administration activities supporting the Business Banking and Consumer loan business units. Individual will be underwriting credit requests for small businesses, not for profits, real estate entities and sophisticated consumer loan requests originated in Private Banking. The individual will also act as a backup for underwriting duties within our consumer loan department.
Gathering of client financial information
Performing financial analysis and preparing a comprehensive loan presentation for approval by Senior Management
Responsible for documentation duties relating to the underwriting including obtaining credit bureau reports, appraisals, collateral information and organizing the borrower’s credit file
Communicates clearly with Department Manager and Senior Management and understands fundamental credit requests
Interacts with existing and prospective clients
Performs accurate and insightful financial analysis based upon data from complex financial statements and tax returns
Identifies underwriting exceptions to bank’s credit policy and procedures
Prepares an accurate and comprehensive Loan Presentation for Department Manager and Senior Management approval
Analyzes appraisals and credit bureau reports and performs additional due diligence when appropriate
Prepare compliance related documents (HMDA, CRA, Adverse Action Forms)
Performa certain credit administration duties related to the portfolio such as following up on financial reporting requirements, loan covenants and annual portfolio reviews
Other duties as assigned
KNOWLEDGE, SKILLS & ABILITIES
Proficient on all IT applications (Word, Excel, Access, PowerPoint & Adobe)
Strong organizational, time management and multi-tasking skills
Highly detailed orientation to all responsibilities
Effective writing skills and the ability to draft concise loan presentations
Ability to make inferences and analyze complex information
Ability to apply mental knowledge to varying situations and circumstances
Ability to withstand long periods of focus and concentration
Ability to sit for long periods of time
Ability to problem solve at a high cognitive level
Critical thinking skills
Fine motor skills
TRAINING & EXPERIENCE
College degree in Finance, Accounting, or related field
Previous credit training and/or business financial services experience
2-5 years’ experience as a credit analyst in business banking
Internal Number: 2018 - 30
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.