Summary

The senior credit analyst, in a larger exposure underwriting role, has a critically important function to review and process transactions within their authority of $400k and present transactions for total exposures exceeding $400k to senior management across all verticals.

Duties & Responsibilities

• Review applications for accuracy
• Obtain & analyze public and private information such as Dun & Bradstreet reports, Paynet reports, Secretary of State corporate name verifications, Safer reports, Credit Bureau reports etc.
• Call, fax or email for bank and credit references
• Review and spread financials/tax returns to provide formative analysis regarding performance and trends. Familiarity with Moody’s Financial/Risk Analysis is important to assist with underwriting analysis.
• Communicate with “clients” (vendors, dealers, brokers, customers etc.) in a professional manner via phone or email
• Travel, from time to time, to meet with clients
• Research industries, markets and equipment as necessary
• Underwrite and decision transactions within credit authority to $400k
• Underwrite and present transactions that exceed $400k to senior management and credit committee
• Interact with peers, via phone or email to support company initiatives
• Performs other related duties as assigned by management

Qualifications

• 4 year Bachelor’s degree required with a major in finance or management preferred
• Minimum 5 years of commercial underwriting experience

Competencies

• Diversity – Shows respect and sensitivity for cultural differences.
• Ethics – Treats people with respect.
• Adaptability – Adapts to changes in the work environment
• Analytical – Collects and researches data.
• Attendance/Punctuality – Is consistently at work and on time. Ensures work responsibilities are covered when absent.
• Customer Service – Responds promptly to customer needs.
• Dependability – Follows instructions, responds to management direction. Takes responsibility for own actions.
• Oral Communication – Speaks clearly and persuasively in positive or negative situations.
• Organizational Support – Follows policies and procedures. Completes administrative tasks correctly and on time.
• Planning/Organizing – Prioritizes and plans work activities. Uses time efficiently.
• Problem Solving – Identifies and resolves problems in a timely manner.
• Professionalism – Approaches others in a tactful manner.
• Quality – Demonstrates accuracy and thoroughness.
• Quantity – Completes work in timely manner.
• Safety and Security – Observes safety and security procedures.
• Teamwork – Balances team and individual responsibilities.
• Written Communication – Writes clearly and informatively.

Physical Demands and Work Environment

• Occasionally required to stand and walk
• Frequently required to sit
• Continually required to utilize hand and finger dexterity
• Frequently required to talk or hear
• While performing the duties of this job, the noise level in the work environment is usually quiet
• The employee must occasionally lift and /or move 10 pounds
• Specific vision abilities required by this job include: Close vision

Reports To: Credit Manager