Credit Review Analyst

Description

A Forbes Best Employer with more than $40 billion in assets and serving more than 900,000 customers, Mid First Bank is the largest privately owned bank in the country. As a family owned bank, Mid First has established many customer relationships that have spanned decades and generations. We are committed to continuously providing an exceptional culture creating an energizing and supportive employee experience while delivering extraordinary customer service.

We are seeking strong leaders and individuals that will provide exceptional banking experiences to our customers!

Independent, ongoing Credit Review of a bank's loan portfolio is a critical line of defense within a bank's risk management framework. Through written analysis of loan relationships, assessment of underwriting and appraisal accuracy and reasonableness, and continuous monitoring of the portfolio through meeting participation and analytical reports;
Credit Review can ensure that loan risk ratings are timely and accurate, provide early identification of negative risk trends, and communicate issues and process improvement recommendations to senior & executive management.

• Written, independent analysis of commercial real estate, C&I, and other loan relationships of varying size and complexity:
• Ensuring timely risk rating accuracy of relationships reviewed.
• Identifying changes in trends or credit risk profiles.
• Providing independent assessment of a relationship's credit quality, and assumptions made in underwriting and appraisals.
• If necessary, providing additional underwriting scenarios or projections using updated assumptions.
• Understand applicable credit policy, laws, and regulations - then opine on the appropriateness of exceptions made to credit policy (along with any mitigating factors).
• Through meeting attendance and credit portfolio reporting, continuously monitor segments of the overall credit portfolio - identifying trends or areas of risk worthy of further review.
• Perform credit review due diligence on potential merger & acquisition loan portfolios.
• Communicate credit trends and recommended process improvements to senior & executive management.

• Bachelor's degree in finance, accounting, or related business degree with a minimum cumulative GPA of 3.0 (3.25 or higher preferred). Will consider a Bachelor's degree in a non-business related field with requisite underwriting or credit review experience.
• Minimum 1-3 years' experience in commercial underwriting, credit review, lending, or related fields.
• Completion of a formal credit training program is a plus, but not required.
• Understand financial ratios, financial analysis, and accounting principles.
• Understand UCC and loan documentation concepts.
• Demonstrated analytical and critical thinking ability.
• Excellent verbal and written communication skills.
• Proficient in Microsoft Word, Excel, Access, and other software products.
• Position requires a minimum of 3 years of relevant US based experience.
• Must reside within a 60 mile radius to be considered.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

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