19 Jan
Sr Credit Analyst
West Virginia, Morgantown , 26501 Morgantown USA

Vacancy expired!

To perform underwriting and credit analysis necessary to support the lending and loan portfolio quality management activities of MVB, while developing the skills to provide advanced credit risk identification and mitigation support to the Credit Department. And to provide administrative support to the department by maintaining key reporting systems.

DUTIES AND RESPONSIBILITIES

Loan Production and Credit Analysis

  • Perform underwriting tasks by preparing complex business and personal financial spreads

  • Perform risk analysis tasks by preparing complex risk grading documents

  • Perform research and analysis tasks by reviewing complex third-party reports to identify credit risk relevant to loan requests

  • Perform comprehensive loan analysis by preparing complex loan request presentations

  • Develop specialization in specific industries and/or loan types to provide expertise as a resource to the credit and lending departments

  • Assess and make recommendation with respect to borrower risk profiles

Loan Portfolio Quality Management

  • Perform underwriting and risk analysis for complex commercial loan renewals and modifications, as assigned

  • Perform/review complex loan covenant testing calculations

  • Prepare service requests as needed to support portfolio management objectives

  • Prepare complex commercial loan renewal/modification presentations

  • Prepare complex commercial loan Annual Review presentations

  • Assess and make recommendation with respect to borrower risk profiles

Underwriting Administration

  • Maintain financial statement tickler, covenant tickler and annual review tickler systems to ensure accurate system reports to be used by Portfolio Managers

  • Maintain accurate and organized financial statement imaging system

Professional Development and Special Projects

  • Complete education, as identified or as assigned, that provides expertise in loan underwriting, loan structuring, and overall professional development

  • Assist with the training and development of Credit Analyst I’s and II’s

  • Serve, when requested, on special teams and projects across the organization

EDUCATION AND WORK EXPERIENCE

  • Bachelor’s degree in accounting, finance, economics, or related field, or equivalent work experience

  • Minimum 4-5 years of experience in commercial credit analysis and/or similar field, depending upon demonstrated abilities

  • Advanced knowledge of credit administration, policy, and procedures

  • Advanced knowledge of economics, accounting, and finance

  • Advanced knowledge of risk analysis and mitigation

  • Advanced technical report writing skills and knowledge

  • Excellent verbal and written communication skills

Vacancy expired!


Report job