Analyst
SUMMARY
With direction and supervision from the Chief Banking Officer, provides direct support to commercial Relationship Managers to develop and analyze all relevant credit information pertaining to more complex commercial real estate and business loans. Prepares thorough analysis of business and/or personal financial statements and presents facts and is expected to provide personal analytical opinions, as appropriate, concerning creditworthiness of existing borrowers and prospects.
ESSENTIAL DUTIES AND RESPONSIBILITIES
• Interacts directly with the President, Chief Banking Officer, Relationship Managers, Credit Administration officers, and customers/prospects regarding commercial real estate and business loans.
• Maintains an assigned/delegate loan portfolio as the secondary Relationship Manager.
• Must prepare accurate financial statement spreadsheets and debt service analysis derived from business and personal financial statements and tax returns.
• Prepares accurate credit authorizations in conjunction with Relationship Managers and presents a complete and thorough analysis of existing and potential borrowers.
• Recognizes and acts on customer requests; develops cross-sell opportunities with existing customers.
• Makes proper referral of loan opportunities to lending personnel.
• Without direction, interacts independently with customers/prospects to request financial information to complete spreading presentations and other financial analyses.
• Reviews loan agreement covenants for verification of the borrower's compliance thereto.
• Accurately prepares financial projections as required.
• Maintains an accurate, up-to-date tracking log of all activity and credit arrangements in process.
• Collects industry information relevant to existing and proposed borrowers using internal and external sources.
• Consults with the President, the Chief Banking Officer, Relationship Managers and other Credit Administration officers on credit structure, pricing, collateral and other credit consideration issues.
• Conducts trade and reference checks on customers/prospects.
• Reviews documentation to ensure compliance with Bank policies and procedures.
• Performs special projects as designated by the President, Chief Banking Officer, Relationship Managers or Credit Administration officers.
• Accountable to understand and ensure regulatory and policy compliance with state and federal requirements including the following (but not limited to) Bank Secrecy Act, Anti-Money Laundering Act, Community Reinvestment Act, OFAC Regulations and Fair Lending and all applicable bank and government regulations
• Attends training and maintains a basic knowledge of procedures to ensure compliance with laws and regulations governing financial institutions, as they apply to your position and job responsibilities, with an emphasis on the BSA/AML/CIP, Consumer Privacy, Regulation CC, Information Security, Bank Protection Act, FACT-Identity Theft, Information Technology and GLBA.
• Telemarketing and external business development of new clients to the bank.
• Performs other departmental duties as assigned.
ADDITIONAL RESPONSIBILITIES
• Demonstrates high degree of professionalism in communication, attitude and teamwork with customers, peers and management
• Demonstrates high level of quality work, attendance and appearance
• Adheres to all Company Policies & Procedures and Safety Regulations
• Adheres to local, state and federal laws
• Understands and complies with all company rules and regulations
• Attends training and maintains a basic knowledge of procedures to ensure compliance with laws and regulations governing financial institutions, as they apply to your position and job responsibilities, with an emphasis on the BSA/AML/CIP, Consumer Privacy, Regulation CC, Information Security, Bank Protection Act, FACT-Identity Theft, Information Technology and GLBA.
• Attend events outside of work including games and tournaments
• Additional duties as assigned as it relates to the position
SUPERVISORY RESPONSIBILITIES
This position does not have supervisory responsibilities
MINIMUM QUALIFICATIONS
• Bachelor's degree.
• Strong, intermediate knowledge of accounting principles, tax return analysis and analytical interpretation of balance sheet and income statement analysis and cash flow.
• Strong working knowledge of Microsoft Word and Excel.
• Intermediate working knowledge of loan documentation.
• Must be able to handle a strong volume of workflow from various sources.
COMPETENCIES:
• Adaptability
• Communication
• Decision Making
• Initiative
• Innovation
• Motivator
• Organization
• Professionalism
• Results Orientated
PHYSICAL DEMANDS: In general, the following physical demands are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to allow differently-abled individuals to perform the essential functions of the job.
• Standing, walking and squatting less than fifty percent of the work shift
• Required to lift, move and carry up to 40 pounds
• Ability to read, count and write to accurately complete all documentation and reports
• Must be able to see, hear and speak in order to communicate with employees and other customers
• Specific vision abilities include close vision, distance vision, peripheral vision, depth perception and ability to adjust focus
• Manual dexterity required using hands to finger; handle, feel and type; reach with hands and arms
(Check the box that applies by double clicking on the box.)
Sedentary: Limited activity, no lifting, limited walking
Moderate: Mostly standing, walking, bending, frequent lifting
X Light: Office work, some lifting, bending, stooping or kneeling, walking
Arduous: Heavy lifting, bending, crawling, climbing
WORK ENVIRONMENT: In general, the following conditions of the work environment are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to allow differently-abled individuals to perform the essential functions of the job within the environment.
• The work space is clean, orderly, properly lighted and ventilated with the proper safety compliance
• Noise levels are considered moderate
Sunwest Bank Is an Equal Opportunity Employer
Sunwest Bank works with staff members and customers without regard to race, ancestry, national origin, sex, marital status, age, religion, medical condition, handicap, disability or veteran status and to assist the Bank in maintaining its Affirmative Action Program.
Compliance with Bank Secrecy Act laws and regulations is considered an extremely serious matter, and it is intended that Sunwest Bank, through the purposeful efforts of its employees and officers, are expected to make every resolute attempt to conform to its Bank Secrecy Act Program and Procedures. Failure to comply will be reflected in their performance review as well as in any bonus compensation programs in which they may participate.
Attend and complete all required classroom, computer-based, web-based and seminar training. It is the individual responsibility of every employee to maintain a current awareness and understanding of and to fully comply with Sunwest Bank's "Code of Ethics and Conduct." Each employee is also expected to maintain an awareness of the laws, regulations, internal policies and procedures that are appropriate for his/her position
Note: The preceding job description has been designed to indicate the general nature and level and work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. All job descriptions can be amended without notice as warranted by business necessity.
