Analyst, Finance & Banking, Financial Analyst

Overview

Analyst role at Sunwest Bank. Under the direction of the Chief Banking Officer, provides direct support to commercial Relationship Managers to develop and analyze credit information for more complex commercial real estate and business loans. Prepares thorough analyses of business and/or personal financial statements and presents facts; expected to provide personal analytical opinions concerning creditworthiness of existing borrowers and prospects.

• Interact directly with the President, Chief Banking Officer, Relationship Managers, Credit Administration officers, and customers/prospects regarding commercial real estate and business loans.
• Maintain an assigned/delegate loan portfolio as the secondary Relationship Manager.
• Prepare accurate financial statement spreadsheets and debt service analyses derived from business and personal financial statements and tax returns.
• Prepare accurate credit authorizations in conjunction with Relationship Managers and present a complete and thorough analysis of existing and potential borrowers.
• Recognize customer requests; develop cross-sell opportunities with existing customers.
• Refer loan opportunities to lending personnel as appropriate.
• Interact with customers/prospects to request financial information to complete spreading presentations and other financial analyses without direction.
• Review loan agreement covenants for verification of borrower compliance.
• Accurately prepare financial projections as required.
• Maintain an up-to-date tracking log of all activity and credit arrangements in process.
• Collect industry information relevant to existing and proposed borrowers using internal and external sources.
• Consult with the President, Chief Banking Officer, Relationship Managers and other Credit Administration officers on credit structure, pricing, collateral and other credit considerations.
• Conduct trade and reference checks on customers/prospects.
• Review documentation to ensure compliance with Bank policies and procedures.
• Perform special projects as designated by leadership.
• Ensure regulatory and policy compliance with state and federal requirements (e.g., BSA/AML/CIP, CRA, OFAC, Fair Lending) and applicable regulations.
• Attend training to maintain knowledge of procedures and regulatory requirements governing financial institutions.
• Engage in telemarketing and external business development of new clients to the bank.
• Perform other departmental duties as assigned.

• Interact with leadership, Relationship Managers, Credit Administration officers, and customers/prospects regarding commercial real estate and business loans.
• Maintain a delegated loan portfolio as the secondary Relationship Manager.
• Prepare financial statement spreadsheets and debt service analyses from financial statements and tax returns.
• Prepare credit authorizations with Relationship Managers and present analyses of borrowers.
• Consult on credit structure, pricing, collateral, and other considerations with senior staff.
• Maintain documentation and tracking of credit activity in process.
• Ensure compliance with Bank policies and procedures; conduct checks and reviews as required.
• Participate in special projects and training; stay compliant with regulatory requirements.
• Telemarketing and external business development of new clients.
• Adhere to company policies, procedures, and safety/regulatory requirements.

• Demonstrate professionalism in communication, attitude and teamwork.
• Maintain high quality work, attendance and appearance; adhere to all policies and laws.
• Attend training and maintain knowledge of BSA/AML/CIP, Consumer Privacy, Regulation CC, Information Security, GLBA, and related laws.
• Attend events outside of work as applicable.
• Additional duties as assigned related to the position.

• Bachelor’s degree.
• Strong, intermediate knowledge of accounting principles, tax return analysis and analytical interpretation of balance sheet and income statement analysis and cash flow.
• Strong working knowledge of Microsoft Word and Excel.
• Intermediate working knowledge of loan documentation.
• Ability to handle a high volume of work from multiple sources.

• Adaptability
• Communication
• Decision Making
• Initiative
• Innovation
• Organization
• Professionalism
• Results Oriented

• Standing, walking and squatting less than 50% of the work shift
• Lift, move and carry up to 40 pounds
• Reading, counting and writing to complete documentation and reports
• Vision, hearing and speech required for communication
• Close, distance and peripheral vision; depth perception; ability to adjust focus

• Clean, orderly, well-lit and ventilated workspace with safety compliance
• Moderate noise levels

Sunwest Bank is an Equal Opportunity Employer. We work with staff and customers without regard to race, national origin, sex, marital status, age, religion, medical condition, disability or veteran status and support affirmative action. Compliance with Bank Secrecy Act laws and…