Company:
Helm Bank USA
Location: Miami
Closing Date: 23/10/2024
Hours: Full Time
Type: Permanent
Job Requirements / Description
SUMMARY
The responsibilities of the credit analyst include analyzing credit data and financial information of persons or companies that are applying for credit or loans to determine the risk that the bank may encounter. Credit analysts will prepare reports based upon their findings to help make decisions on lending and credit-worthiness.
ESSENTIAL FUNCTIONS
Responsibilities include the following. Other duties may be assigned.
Core Duties
EDUCATION & TRAINING
KNOWLEDGE & EXPERIENCE
COMPETENCIES
To perform the job successfully, an individual should demonstrate the following:
SUPERVISOR RESPONSIBILITIES
This position has no supervisory responsibilities.
WORK ENVIRONMENT
This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.
PHYSICAL DEMANDS
The following physical activities described here 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 enable individuals with disabilities to perform the essential functions and expectations.
While performing the duties of this job, the employee is regularly required to sit and talk or hear. The employee frequently is required to stand; walk; use hands to finger, handle, or feel; and reach with hands and arms. The employee is occasionally required to climb or balance; stoop; kneel, crouch, and taste or smell. The employee must regularly lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision, distance vision, depth perception, peripheral vision, and ability to adjust and focus
TRAVEL
This position may require travel.
DISCLAIMER
Equal Opportunity Employer: Helm Bank USA supports a diverse workforce and is a Drug Testing and Equal Opportunity Employer. Helm Bank USA does not discriminate against individuals on the basis of race, creed, color, gender, religion, national origin.
While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.
I understand and acknowledge that, in addition to the duties outlined in this job description, I am also responsible for making sure that my duties are performed in full compliance with all of the Bank's rules, and with all of the state and federal regulations to which the bank is subject. I understand that knowledge of, and adherence to the Bank's Bank Secrecy Act/Anti-Money-Laundering/OFAC Program is an important part of my job performance and will be considered a factor for job evaluations as well as promotions, and that ongoing BSA/AML/OFAC training will be continuously required during my employment. I agree to address any and all questions I may have about the bank's BSA/AML/OFAC Program to the Bank's BSA Department.
The responsibilities of the credit analyst include analyzing credit data and financial information of persons or companies that are applying for credit or loans to determine the risk that the bank may encounter. Credit analysts will prepare reports based upon their findings to help make decisions on lending and credit-worthiness.
ESSENTIAL FUNCTIONS
Responsibilities include the following. Other duties may be assigned.
Core Duties
- Analyzes financial information to determine present and future financial performance.
- Reviews loan applications, which includes obtaining and analyzing all necessary financial data and assessing the customers risk profile.
- Prepares credit analysis including the spreads of financial statements in order to prepare loan approval memoranda which includes, repayment analysis, collateral analysis, risk rating determination and loan exception identification.
- Interacts with relationship managers, brokers and customers in developing credit requests to be presented to loan committee and/or final approval.
- Prepares monthly, quarterly and annual reports for the Board of Directors.
- Manages broker packages and third party service provider packages.
- Maintains updated credit files with tracking systems for financial statements, appraisals, loan reviews and renewals.
- Assists management in special projects and/or requests as needed.
- Prepares KYC/CDD Profile Forms and obtains all required documentation in accordance with the BSA Program.
EDUCATION & TRAINING
KNOWLEDGE & EXPERIENCE
COMPETENCIES
To perform the job successfully, an individual should demonstrate the following:
- Bachelor's degree (B.A.) in Business, Economics, Accounting or Finance.
- One to two years of previous experience.
- Must be bilingual in both English and Spanish. Ability to fluently speak, understand, read and write both languages
- Basic Computer Skills,
- Advanced Skills with Microsoft Office
- Mathematical Skills
- Customer/Client Focus.
- Credibility.
- Problem Solving/Analysis
- Teamwork Orientation.
- Initiative.
- Stress Management
- Organizational Skills.
- Technical Capacity
- Effective communicator
- Adaptability
SUPERVISOR RESPONSIBILITIES
This position has no supervisory responsibilities.
WORK ENVIRONMENT
This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.
PHYSICAL DEMANDS
The following physical activities described here 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 enable individuals with disabilities to perform the essential functions and expectations.
While performing the duties of this job, the employee is regularly required to sit and talk or hear. The employee frequently is required to stand; walk; use hands to finger, handle, or feel; and reach with hands and arms. The employee is occasionally required to climb or balance; stoop; kneel, crouch, and taste or smell. The employee must regularly lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision, distance vision, depth perception, peripheral vision, and ability to adjust and focus
TRAVEL
This position may require travel.
DISCLAIMER
Equal Opportunity Employer: Helm Bank USA supports a diverse workforce and is a Drug Testing and Equal Opportunity Employer. Helm Bank USA does not discriminate against individuals on the basis of race, creed, color, gender, religion, national origin.
While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.
I understand and acknowledge that, in addition to the duties outlined in this job description, I am also responsible for making sure that my duties are performed in full compliance with all of the Bank's rules, and with all of the state and federal regulations to which the bank is subject. I understand that knowledge of, and adherence to the Bank's Bank Secrecy Act/Anti-Money-Laundering/OFAC Program is an important part of my job performance and will be considered a factor for job evaluations as well as promotions, and that ongoing BSA/AML/OFAC training will be continuously required during my employment. I agree to address any and all questions I may have about the bank's BSA/AML/OFAC Program to the Bank's BSA Department.
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Helm Bank USA