- Analyze the financial condition and cash flow of borrowers; analysis to include identification of trends in financial ratios, analysis of balance sheet and income statement changes and trends, guarantor analysis and collateral analysis
- Convert financial statements into a common size spreadsheet utilizing financial spreading software
- Present findings in comprehensive credit approval documents which outline the loan request and the financial condition of the borrower, including relevant financial data and narrative
- Communicate with lenders and/or borrowers to obtain necessary information regarding the borrower
- Assist lenders with structuring/underwriting loans
- Assist Credit Operations Specialist as needed with updating borrower financial statement requirements and covenant requirements in tracking software
- Assist Credit Underwriting Associate as they prepare financial statement spreads on behalf of the Credit Officer and under their supervision
- Ensure Bank's loan policies are being followed, citing exceptions where needed
- Maintain expertise in new and changing bank underwriting policies and regulatory guidelines
- Perform quality control review of imaged documents
- College degree in accounting, finance, economics or business; a minimum of 6 hours of college-level accounting coursework required, including intermediate financial accounting
- Minimum of 2-5 years of experience in credit analysis at a bank with assets of $1 billion or more; experience analyzing complex C&I borrowers with deal and/or relationship size between $2 million and $20 million
- Exceptional ability to analyze and interpret all types of financial statements, formulate conclusions, and present findings in a narrative credit analysis
- Experience analyzing borrowing base certificates and underlying assets comprising the certificate to determine if borrower is in compliance
- Demonstrated ability to create, interpret and test borrower loan coven
- Proven verbal and written communication skills, including the ability to convey information about a borrower's financial status in commonly understood terms
- Demonstrated ability to think critically, make well-reasoned assumptions and solve problems
- Experience with and strong working knowledge of standard computer applications, especially Word, Excel and Adobe Acrobat
- High degree of accuracy and attention to detail
- Strong initiative and ability to manage multiple lender requests, organizing and prioritizing tasks as appropriate; ability to work independently and meet deadlines
- Demonstrated ability to work effectively with diverse individuals and work styles, including lending staff
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Credit Officer - Indianapolis, United States - The National Bank of Indianapolis Corporation
Description
Credit OfficerPrimary Duties and Responsibilities:
The teammate is responsible for analyzing complex financial information and cash flow of existing and potential borrowing clients for purposes of approving or denying a loan request, presenting information in comprehensive documents with relevant financial data and narrative. The teammate is expected to act in a professional manner and within the accepted standards and practices of the industry, as well as within the Bank's Culture of Excellence.
Essential Functions:
Annual Salary
The National Bank of Indianapolis is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment regardless of, and will not be discriminated against on the basis of race, color, sex (including pregnancy), sexual orientation, gender identity, religion, national origin, age, veteran status, disability, genetic information, or other bases as protected by local, state, or federal law.
