Sr Credit Analyst/Underwriter (SENIO011941) - Masco Corporation
Conway, AR
About the Job
This job was posted by https://www.arjoblink.arkansas.gov : For more
information, please see: https://www.arjoblink.arkansas.gov/jobs/4331440
The Sr. Credit Analyst/Underwriter performs financial based analysis and
underwriting of credits which is used by the bank to assess risk and
monitor existing credits to entities or individuals. This position
performs analysis on the largest and most complex loans or relationships
with a Region or Industry. The Sr Credit Analyst/Underwriter engages
with Analyst I or II, as appropriate, to assist in the analysis of the
credits or relationships and as directed by their manager.
*This is a hybrid role available at any Centennial Bank location in
Arkansas.*
ESSENTIAL DUTIES AND RESPONSIBILITIES
1. Generate financial spreads, or oversee and review spreads prepared
by Analyst I or II within the bank lending operating system (nCino)
using financial statements to find and review trends. This duty is
performed daily, about 20% of the time.
2. Create spreadsheets designed to quantify borrower's personal,
global, and real estate cash flows/project analysis on an accurate and
timely basis. This duty is performed daily, about 20% of the time.
3. Create credit memos and annual reviews, as defined in current
department procedures. This duty is performed as needed, about 35% of
the time.
4. Attend loan committee meetings when directed by management. This
duty is performed daily, about 10% of the time.
5. Provide guidance and assistance in mentoring Analyst I & II as
directed by Regional Manager. This duty is performed weekly, about 10%
of the time.
6. Engage Analyst I or II to assist in tasks related to analysis of the
credits or relationships and provide oversight of work product to ensure
work product is accurate and delivered within necessary time frame to
complete overall analysis. This duty is performed weekly, about 5% of
the time.
7. Act as back up the Regional Manager or other CA leader in the review
of work product performed by other Analyst's on the team. This duty is
performed as needed.
8. The ability to work in a constant state of alertness and in a safe
manner. This duty is performed daily.
9. Complete required BSA/AML training and other compliance training as
assigned. This duty is performed quarterly.
10. Perform any other related duties as required or assigned.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform
each essential duty mentioned satisfactorily. The requirements listed
below are representative of the knowledge, skill, and/or ability
required.
EDUCATION AND EXPERIENCE
Broad knowledge of such fields as accounting, marketing, business
administration, finance, etc. Equivalent to a four year college degree,
plus 7 years related experience and/or training, and 4 years related
management experience, or equivalent combination of education and
experience.
COMMUNICATION SKILLS
Ability to write reports, business correspondence, and policy/procedure
manuals; ability to effectively present information and respond to
questions from groups of managers, clients, customers, and the general
public. Ability to read, analyze, and understand common scientific and
technical journals, financial reports, and legal documents; ability to
respond to complex or difficult inquiries or complaints from customers,
regulatory agencies, or members of the business community.
MATHEMATICAL SKILLS
Ability to work with mathematical concepts such as probability and
statistical inference, and fundamentals of plane, algebra, solid
geometry and trigonometry.
CRITICAL THINKING SKILLS
Ability to define problems, collect data, establish facts, and draw
valid conclusions. Ability to interpret an extensive variety of
technical instructions in mathematical or diagram form and deal with
several abstract and concrete variables.
SOFTWARE SKILLS REQUIRED
Adva ced: 10-Key, Accounting, Spreadsheet, Word Processing/Typing
Intermediate: Alphanumeric Data Entry
Basic: Human Resources Systems, Presentation/PowerPoint
RESPONSIBILITY FOR WORK OF OTHERS
Carries out supervisory responsibilities in accordance with the
organization's policies and applicable laws. Responsibilities may
include but not limited to interviewing, hiring and training employees;
planning, assigning and directing work; appraising performance,
rewarding and disciplining employees; addressing complaints and
resolving problems.
Supervises a small group (3-7) of employees, usually of lower
classifications. Assigns and checks work; assists and instructs as
required and performs same work as those supervised, or closely related
work, a portion of the time. Content of the work supervised is of
non-technical nature, but presents numerous situations to which policies
and precedents must be interpreted and applied.
Supervises the following departments: Credit Analysts and Underwriters
WORKING CONDITIONS
Periodically exposed to such elements as noise, intermittent standing,
walking, pushing, carrying, or lifting; but none are present to the
extent of being disagreeable.
ADDITIONAL INFORMATION
-Seven (7) or more years of related
information, please see: https://www.arjoblink.arkansas.gov/jobs/4331440
The Sr. Credit Analyst/Underwriter performs financial based analysis and
underwriting of credits which is used by the bank to assess risk and
monitor existing credits to entities or individuals. This position
performs analysis on the largest and most complex loans or relationships
with a Region or Industry. The Sr Credit Analyst/Underwriter engages
with Analyst I or II, as appropriate, to assist in the analysis of the
credits or relationships and as directed by their manager.
*This is a hybrid role available at any Centennial Bank location in
Arkansas.*
ESSENTIAL DUTIES AND RESPONSIBILITIES
1. Generate financial spreads, or oversee and review spreads prepared
by Analyst I or II within the bank lending operating system (nCino)
using financial statements to find and review trends. This duty is
performed daily, about 20% of the time.
2. Create spreadsheets designed to quantify borrower's personal,
global, and real estate cash flows/project analysis on an accurate and
timely basis. This duty is performed daily, about 20% of the time.
3. Create credit memos and annual reviews, as defined in current
department procedures. This duty is performed as needed, about 35% of
the time.
4. Attend loan committee meetings when directed by management. This
duty is performed daily, about 10% of the time.
5. Provide guidance and assistance in mentoring Analyst I & II as
directed by Regional Manager. This duty is performed weekly, about 10%
of the time.
6. Engage Analyst I or II to assist in tasks related to analysis of the
credits or relationships and provide oversight of work product to ensure
work product is accurate and delivered within necessary time frame to
complete overall analysis. This duty is performed weekly, about 5% of
the time.
7. Act as back up the Regional Manager or other CA leader in the review
of work product performed by other Analyst's on the team. This duty is
performed as needed.
8. The ability to work in a constant state of alertness and in a safe
manner. This duty is performed daily.
9. Complete required BSA/AML training and other compliance training as
assigned. This duty is performed quarterly.
10. Perform any other related duties as required or assigned.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform
each essential duty mentioned satisfactorily. The requirements listed
below are representative of the knowledge, skill, and/or ability
required.
EDUCATION AND EXPERIENCE
Broad knowledge of such fields as accounting, marketing, business
administration, finance, etc. Equivalent to a four year college degree,
plus 7 years related experience and/or training, and 4 years related
management experience, or equivalent combination of education and
experience.
COMMUNICATION SKILLS
Ability to write reports, business correspondence, and policy/procedure
manuals; ability to effectively present information and respond to
questions from groups of managers, clients, customers, and the general
public. Ability to read, analyze, and understand common scientific and
technical journals, financial reports, and legal documents; ability to
respond to complex or difficult inquiries or complaints from customers,
regulatory agencies, or members of the business community.
MATHEMATICAL SKILLS
Ability to work with mathematical concepts such as probability and
statistical inference, and fundamentals of plane, algebra, solid
geometry and trigonometry.
CRITICAL THINKING SKILLS
Ability to define problems, collect data, establish facts, and draw
valid conclusions. Ability to interpret an extensive variety of
technical instructions in mathematical or diagram form and deal with
several abstract and concrete variables.
SOFTWARE SKILLS REQUIRED
Adva ced: 10-Key, Accounting, Spreadsheet, Word Processing/Typing
Intermediate: Alphanumeric Data Entry
Basic: Human Resources Systems, Presentation/PowerPoint
RESPONSIBILITY FOR WORK OF OTHERS
Carries out supervisory responsibilities in accordance with the
organization's policies and applicable laws. Responsibilities may
include but not limited to interviewing, hiring and training employees;
planning, assigning and directing work; appraising performance,
rewarding and disciplining employees; addressing complaints and
resolving problems.
Supervises a small group (3-7) of employees, usually of lower
classifications. Assigns and checks work; assists and instructs as
required and performs same work as those supervised, or closely related
work, a portion of the time. Content of the work supervised is of
non-technical nature, but presents numerous situations to which policies
and precedents must be interpreted and applied.
Supervises the following departments: Credit Analysts and Underwriters
WORKING CONDITIONS
Periodically exposed to such elements as noise, intermittent standing,
walking, pushing, carrying, or lifting; but none are present to the
extent of being disagreeable.
ADDITIONAL INFORMATION
-Seven (7) or more years of related
Source : Masco Corporation