Credit Analyst

Overview

• Credit Analyst (“Analyst”) assists the Senior Vice Presidents of Credit Management & Strategy to ensure that loans are reviewed, underwritten, presented to loan committee, and otherwise assists in other due diligence produced by the credit team.
• Analyst is responsible for assessing a loan applicant's ability to repay the loan and recommending that it be approved or denied.

• Gathers and analyzes loan applicants’ financial data to evaluate risk.
• Assess creditworthiness of individuals, companies, and institutions.
• Collaborates with other financial experts to approve or deny loans.
• Makes recommendations about whether to increase, adjust, extend, or close lines of credit.
• Undertakes risk analysis using regional, sector‑specific, environmental, and other financial data.
• Prepares and presents credit reports.
• Monitors and adheres to collateral compliance covenants.
• Ensures that all loans are made in adherence with federal, state, and local financial regulations.
• Analyzes data to verify information and uncover fraud if present.
• Helps to update and improve credit rating criteria.
• Authors documents on credit risk and related financial matters.
• Communicates credit decisions and policies to fellow employees and credit applicants.
• Aids in the management of loan pipeline and appropriately catalogs updates.

• Knowledge of basic economic and accounting principles and practices, banking and the analysis and reporting of financial data.

• High School Diploma or equivalent

• Bachelor’s Degree in Finance, Business, Accounting or similar degree
• Prior experience in lending or financial analysis, which could include prior internship
• Familiarity with SBA SOP 50 10 6 and SOP 50 57 2, or their successors
• Sit or stand at a computer for long periods of time and look at a computer screen for several hours a day
• Maintain polite, calm and professional composure when dealing with customers, including customers who may be rude or difficult
• Work at an assigned Fin Wise office location or at remote or home office
• Communicate with others in person, on the phone, virtual meeting and email
• Maintain confidentiality
• Work overtime as assigned
  
  Work cooperatively with others
• Comply with all company policies and procedures

Background check are required on all bank employees due to accessibility of Personally Identifiable Private Information.

AAP/EEO Statement

Fin Wise is an equal opportunity employer and dedicated to diversity and inclusion in the workplace. We do not discriminate on the basis of race, religion, color, national origin, sex, gender, gender identity, sexual orientation, age, marital status, pregnancy status, veteran status, or disability status.

Fin Wise provides reasonable accommodations to the known disabilities of individuals in compliance with the Americans with Disabilities Act. For accommodation information or if you need special accommodations to complete the application process, please contact the Human Resources Department at (801) 545 - 6041.

Qualified applicants with criminal history and conviction records will be considered in accordance with legal requirements.