Credit Analyst - Miami, United States - Pacifica Continental

Pacifica Continental Miami, United States

6 days ago

Description

Our client is looking for a Credit Analyst to join their team in Miami. The individual will prepare credit analyses and underwrites commercial, international and consumer transactions as outlined below.

RESPONSIBILITIES:

Spread financial statements in order to pre-screen the viability of the credit proposal
Examines accounting methods and scrutinizes financial statement and accompanying information
Prepare credit presentations which include the following: identify and mitigate risk, identify sources of repayment, sensitivity analysis, industry data and project analysis
Pull credit reports, OFAC and background checks to evaluate and examine credit references for consistency with information provided
Analyzes borrower's business methods of operations, operational environment, financial condition and operating performance to determine borrower's ability to pay on loans
Requests specific information and discusses or resolves issues pertaining to borrower's business, financial status and credit risk
Confers with Credit Manager in order to resolve problems with application or missing information
Performs credit underwriting, assess credit risk, complies with the Bank's Credit Policy and issues recommendations about credit proposals to be reviewed by the Credit Manager
Performs credit analyses for annual reviews and credit renewals as required
Conducts follow-up of borrowers' financial situations with authorized credit facilities
Assures financial covenants of each transaction are carried out as approved
Maintains continuous efforts to supervise problem credits
Attends to administrative functions of the credit Committee (agenda, minutes and board letters) when needed
Signs and authorizes credit/trade references when needed
Participates in special projects related to the bank's loan portfolio, such as but not limited to legal lending limit log, Allowances for Loan Losses, etc.
Full knowledge and understanding of bank policies, procedures, regulatory and compliance requirements, including but not limited to BSA/AML, CDD, EDD, and others as defined by the Compliance Division and Information Security Division
Attend and/or complete all required training as assigned
Ensure compliance with all applicable laws, regulations and policies

EDUCATION AND/OR EXPERIENCE:

Bachelor's degree (B.A) from qualified college or university; and five years related experience and/or training; or equivalent combination of education and experience.

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