Full Job Description

Job Description:

Summary: Assists management in making informed credit decisions regarding existing and potential borrowers. Responsible for the preparation and presentation of commercial credit requests by performing the following duties.

Essential Duties and Responsibilities

• Performs commercial credit analysis by reviewing items including, but not limited to credit reports, personal and business financial statements and tax returns, appraisals, property inspections and environmental reports to complete loan presentations for approval consideration by the appropriate approval authority.

• Prepares and analyzes spreads of a company’s financial statements to determine overall credit strengths and weakness of potential commercial credit customers. Analysis includes, but is not limited to debt-service ratio, current assets ratio, leverage ratios, cash flow analysis, fixed charge coverage and acid test ratio.

• Contacts the customer or customer’s representative to obtain additional information or explanation detail throughout the underwriting process while coordinating with the Commercial Banker.

• Orders underwriting items including, but not limited to audit, TLJ and UCC searches, appraisal, environmental, flood certification, and property inspections from both internal and external sources.

• Identifies and assesses various business, industry and market risks to determine and categorize business trends, growth, cyclical nature, seasonality, business cycle and stagesand apply findings to credit evaluation.

• Performs business sector analyses to evaluate the health and viability of a company based upon similar businesses and/or competitors.

• Evaluates the overall growth potential of companies bases through the application of various economic theories.

• Approves final funding reconciliation in Vendor Services.

• Records and maintains external vendor order costs in Vendor Services.

• Prepares loan files

• Completes special Projects as assigned

BankFinancial is an Equal Opportunity Employer (minorities/females/veterans/individuals with disabilities/sexual orientation/gender identity)
Required Experience: Bachelor’s degree (B. S.) from four-year college or university preferably in finance or accounting and 1 year commercial credit/loan experience or Bank loan review experience.

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