Support the Bank's credit and commercial lending functions by underwriting commercial requests, modifications, and conducting line of credit and annual portfolio reviews.
Responsibilities
Interprets financial statements, perform cash flow and personal financial statement analysis
Completes credit underwriting for annual relationship reviews, line of credit renewals and loan modifications with minimal assistance
Performs testing of commercial loan covenants
Develops initial underwriting and assess credit worthiness and financial strength of a commercial loan applicant with minimal assistance
Develops knowledge of lending standards, banking laws and regulations, and bank credit policies and procedures
Lead the Commercial Credit Department, overseeing credit analysis, underwriting, risk management, and strategic planning for business and commercial lending products at VyStar Credit Union.
Responsibilities
Provide leadership and direction over commercial credit and loan functions
Develop and maintain business lending policies and procedures
Ensure compliance with laws and regulatory requirements
Approve credit transactions within delegated authority
Lead strategic planning and process improvement initiatives
Requirements
Bachelor's Degree in Finance, Business or Accounting or equivalent work experience
Lead capital and transformation projects for the UK Defence sector, supporting clients through strategy, delivery, performance, asset management, and recovery.
Responsibilities
Assist in client management and reporting to managers
Establish working relationships with clients
Develop technical acumen
Stay updated on local and national business issues
Support clients navigating complex fund, restructuring and special situations, applying strong financial and commercial analysis to help develop and implement practical solutions.
Responsibilities
Analyse fund structures, portfolio performance, valuations, liquidity, cash flows and other financial and operational information.
Support fund solutions and restructuring assignments, including manager replacement and transition, fund wind downs, asset realisations, liquidity and governance matters and other special situations.
Take ownership of defined workstreams, managing priorities and deadlines and delivering high-quality work with guidance from senior team members.
Prepare financial analyses, options papers, investment and portfolio reports, board and investor materials, presentations and implementation plans.
Support engagement with fund managers, investors, boards, creditors, legal advisers, administrators, auditors, asset managers and other service providers.
Requirements
Bachelor's degree in finance, accounting or related field (preferred)
Nice to have: ACA
Nice to have: ACCA
Nice to have: CFA
Nice to have: Experience in investment funds sector
A strategic professional focused on credit risk, underwriting commercial credit extensions, and performing detailed financial analysis while compliance with internal policies.
Responsibilities
Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients with ownership responsibilities for sound credit decisions and compliance with internal procedures/credit risk policy guidelines and standards.
Prepare a detailed written credit summary of commercial applicants requesting credit by analyzing the business, interpreting the finance need, identifying the strengths and prevailing risk factors and rendering a final credit decision.
Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information.
Perform credit and personal financial statement analysis on individuals, guarantors, and co-borrowers in order to assess repayment capacity based on cash flow statements, tax returns, and statements.
Perform industry and geographical research and other due diligence as needed.
Credit Product Officer - Credit ProductsNewWesBanco Bank, Inc. · Uniontown, US
Senior AssociateNewKroll · Dublin, Ireland