Reporting & Investment Accountant I ensures compliance with investment accounting policies for financial transactions. Collaborates with asset management and portfolio teams to assist in financial analytics and reporting.
HB
Onsite Credit Underwriting Officer – Inventory Finance
Posted 4 days ago
About the role
- Credit Underwriting Officer analyzing and monitoring credit worthiness of customers/accounts. Responsible for underwriting loans, reviewing applications, and presenting to loan committee.
Responsibilities
- Underwrite high quality credit narratives in support of new and existing loans
- Review and analyze various transactions
- Includes review and analysis of applications, financial statements, balance sheets, D&B reports, etc.
- Spreading business financial statements and tax returns using Moody's software to analyze multi-year trends and ratios from financial information
- Understand cash flow from operations, which includes identifying recurring and non-recurring sources of cash flow
- Research industry trends and risks
- Perform collateral analysis including accounts receivable, inventory, real estate and investments
- Run credit reports and gather/analyze KYC information
- Spread personal financial statements and tax returns for individual guarantors, develop borrower and guarantor global cash flow analysis
- Work with other areas to monitor delinquency, delinquency trends and repossession activity
- Conduct annual financial statement follow-up to borrowers and track and monitor the receipt by the Bank of this information
- Prepare written recommendation as to whether the proposed loan should be approved as presented, and provide alternate loan structure recommendations
- Present to loan committee for loan approvals
- Communicate decisions
- Provide leadership and guidance to less experienced analysts; coach and mentor as appropriate
- Lead special projects as needed
- Perform other duties as assigned
Requirements
- Bachelor’s degree in Finance, Accounting, Business or related field
- 5+ years commercial credit underwriting experience
- Prior credit approval authority preferred
- Ability to independently structure and underwrite most loan requests
- Established network of business clients, prospects, and referral sources
- Detail oriented with the ability to analyze cash flow, leverage and gauge customer strength
- Excellent written/verbal communication and presentation skills
- Experience coaching and developing others, informally or formally
- Experience in lending to a wide variety of industries, loan types, and sizes of companies
- Superior technical skills
Benefits
- Health insurance coverage
- Wellness program
- Life and disability insurance
- Retirement savings plan
- Paid leave programs
- Paid holidays
- Paid time off (PTO)
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