Senior IT Service Analyst managing complex ITSM processes for Forcepoint, simplifying security for global businesses. Engaging in governance, compliance, and continual service improvement initiatives.
About the role
- Independent credit analysis of commercial loan requests at FNBO. Evaluate credit worthiness and prepare financial assessments for internal and external customers.
Responsibilities
- Perform independent credit analysis of commercial loan requests (C&I).
- Complete financial analysis and evaluation of credit worthiness.
- Prepare loan memorandums, risk rating matrices, financial analysis and collateral analysis.
- Develop and maintain a thorough understanding of loan products and procedures.
- Interact with and provide an exceptional customer experience to internal and external customers.
- Conduct complete credit underwriting, including: Prepare accurate and timely loan presentation packets (credit memos) for new credit requests, loan renewals and annual reviews.
- Spread and analyze financial information for borrowers, guarantors and related entities.
- Conduct the appropriate level of guarantor analysis including: credit bureau reports, personal financial statements and tax returns.
- Perform collateral analysis including margin/loan-to-value calculation.
- Determine the appropriate risk rating for credits.
- Process requests in a timely manner to ensure desired service levels and compliance requirements are met.
- Research credit requests including related commitments, background on borrowing entities and analyze industry risks.
- Perform sensitivity analysis on borrowers based on relevant and specific industry and economic variables and assumptions.
- Ensure compliance with loan policy and compliance standards, including the Bank’s BSA/AML program.
- Complete all assigned compliance training and adhere to internal procedures and controls, as required.
- Report any known violations of compliance policy, laws, or regulation, as well as suspicious customer and/or account activity.
- Maintain complete and accurate file documentation.
Requirements
- Bachelor’s degree in Accounting, Business Administration, Finance, Economics, or related field or equivalent work experience
- General understanding of financial statements, lending policies, procedures, practices, and documentation including cash flow and collateral analysis
- Ability to adapt and manage multiple deadlines is required
- Experience in credit analysis is preferred
- Strong analytical skills and detail oriented
- Demonstrate accuracy and thoroughness and monitor own work to ensure quality
- Manage competing demands in a changing environment while working independently most of the time
- Follow instructions, respond to management direction, and solicit feedback to improve performance
- Proficient in PC operation and demonstrated understanding of Microsoft Office Applications and Outlook
- Candidates must possess unrestricted work authorization and not require future sponsorship.
Benefits
- Medical, Dental, Vision Insurance
- 401k, With Matching Contributions
- Time Off Programs
- Health Savings Account (HSA)/Dependent Care
- Employee Banking
- Growth Opportunities
- Tuition Assistance
- Short-Term/Long-Term Disability Insurance
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