Job Description
The Credit Department of TBK Bank, SSB seeks a qualified Commercial Credit Analyst whose responsibilities include: (i) underwriting credit approval requests for both prospective and existing clients; (ii) working with lending units to ensure ability to accurately evaluate and act on credit applications in a timely manner; (iii) performing ongoing monitoring on existing credits to assist TSB in assessing quality of loan portfolio.
Position Description:Essential duties and responsibilities include the following. Other duties may be assigned.
- Obtains and analyzes financial, credit and collateral data to evaluate the current commercial and commercial real estate loan portfolio and assist loan executives and sales executives on loan requests in order to approve or deny applications
- Analyzes financial information received from borrowers and other sources, such as reporting services, credit bureaus, other companies and current credit files to determine trends for collectability and profitability of loan
- Produces initial credit analysis for business unit (lender) review, underwriting, approval process. Supports various lending departments, including: Commercial Loan, Equipment Finance, Mortgage Warehouse, ABL, etc.
- Ensures open communication and collaborative efforts exist between the lending teams and the credit staff by clearly communicating progress and/or needs in a timely and precise manner
- Supports loan and credit facility production staff in preparation of written credit proposals and presentation to various credit committees
- Ensures that all transactions either conform to the Loan Policy or ensure that all policy exceptions are disclosed in credit proposal
- Ensures existing credit relationships adhere to loan covenants and conditions and that required information is obtained in a timely manner
- Reviews incoming financial statements on existing customers, updating financial spreads and communicating any concerns with Credit Manager
- Bachelors degree is required, with a major in Accounting or Finance preferred
- 1-3 years of experience in commercial credit underwriting needed
- Strong financial statement analysis and writing skills a plus
- Banking or Financial Services experience, preferred
We offer Medical, Dental, Vision, Paid Time Off, 401k and much more.
Go on. Do it. Apply Today!
OUR BUSINESS
Were a diversified financial service company that provides community banking, national lending and commercial finance solutions. We are also a leading provider of factoring services and an innovator of payment solutions for the transportation industry. Our focus on creating value helps our team members thrive, our customers succeed and our communities prosper.
We are proud to be an equal opportunity employer and we do not discriminate in recruitment, hiring, training, promotion, or other employment practices on the basis of age, race, gender, color, religion, national origin, disability, sexual orientation, veteran status, or any other basis that is prohibited by federal, state or local law.
OUR PURPOSE
Every day, we focus on creating value by helping our team members thrive, our customers succeed and our communities prosper. When we do this - we're Helping People Triumph.
OUR CORE VALUES
Our long-standing core values are based on sound business practices and biblical principles. They flourish in our culture which helps our team members thrive, our customers succeed and our communities prosper. We commit ourselves to:
? Transparency
? Respect
? Investing for the future
? Unique is good
? Mission is more than the money
? People make the difference
? Humility
FOCUS ON SERVING OTHERS
At Triumph, we focus on doing the most good in the areas of greatest needs through our philanthropic endeavors. Our philanthropic vision is focused in four areas:
? Training future leaders
? Establishing viable communities
? Giving people a second chance
? Serving the less fortunate
We support these initiatives at home and around the world. We partner with entrepreneurs who share our philanthropic priorities, have a history of effective assistance programs and are experts in their fields of service. This allows us to serve in places where we can create the biggest impact.