Credit Analyst Lead in Phoenix, Arizona at Chicanos Por La Causa

This is an in office position.

OBJECTIVE AND POSITION SUMMARY

Presents the company's loan capabilities, structures complex loan proposals, completes initial underwriting and prepares credit package including internal borrower history and loan request. Build Prestamos portfolio by locating, developing, defining, negotiating, and closing business relationships. Performs credit analysis function for ongoing commercial loan portfolio management and identifies risks related to each credit relationship. Analyses include business/personal/global cash flow analysis, income/expense analysis, balance sheet analysis, collateral analysis and market/industry analysis.

SPECIALIZATIONS

• Good analytical, mathematical and problem-solving skills

PRIMARY DUTIES AND ESSENTIAL FUNCTIONS

• Manages credit analyst team and expeditor
• Leads weekly pipeline calls with BDOs and analyst team
• Reviews all credit memos under $100,000.00 before they are submitted to the Senior Credit officer for approval
• Underwrites larger and complex transactions that will be presented to loan committee
• Assist micro loan clients, both walk-in and telephone, with small business loan programs and provides initial counseling and referrals to other agencies
• Coordinates technical assistance programs as offered by Prestamos to potential and existing clients
• Community participation during and/or after work hours as needed
• Inputs financial and tax data on loan origination software/spreadsheets
• Performs credit analysis function for new commercial loan requests and commercial loan renewals/modifications/annual reviews (including borrower(s) financial statement/tax return analysis, guarantor(s) financial statement/tax return analysis, collateral valuation analysis, market/industry analysis)
• Identifies risks related to borrower operations, industry/sector, collateral, etc. and communicates with respective Business Development Officer and Senior Credit Officer
• Ensures that credit policies and procedures are maintained in compliance with all established and published commercial banking policies/guidelines
• Provides customer service to current and prospective borrowers, researches borrower needs, answers questions, conducts routine research and solves routine problems. May attend client meetings as requested
• Maintains customer confidence and protects operations by keeping information confidential
• Assists in maintaining loan files and creates specialized ad-hoc reports as requested
• May facilitate reporting and requests on behalf of the Prestamos CDFI, LLC with third parties, e.g. appraisers, etc. Orders reports such as business or personal credit reports, background investigations, etc.
• May perform other duties as assigned

MINIMUM QUALIFICATIONS AND COMPETENCIES

Education /Background:

• BS/BA in Finance/Accounting preferred
• 1-2 years relevant experience in commercial credit analysis or recent college graduate with finance/accounting degree.
• Experience with 7a loans is a plus
• Strong organization and time-management skills, attention to detail with high degree of accuracy, and the ability to work independently
• Strong interpersonal, verbal and written communication skills
• Ability to maintain confidentiality of customer and credit information
• Sound judgment, decision-making ability, and the ability to work in pressure situations
• Personal computer operation with skills in Microsoft software packages, including Word, Excel, Outlook, MS Project & Visio