Utilizing excellent commercial credit skills to prepare written credit reviews which assesses credit opportunities, identifies key risks with appropriate structures to mitigate risks including covenants, terms, and conditions for approval
Determining capacity of operating entities to repay their financial obligations through analysis of company-prepared/audited financial statements and detailed cash flow analysis
Completing obligor and facility risk ratings with documented rationale for the final risk grades
Proactive ownership of portfolio management responsibilities including annual reviews, loan modifications, covenant breaches, inventory audits, overline management, and analyzing trends in key dealer metrics
Interacting with clients, virtually or in person, in conjunction with the Banker
Working proactively, in a constructive, diplomatic manner, with both internal and external contacts to keep transactions moving.
Demonstrating excellent communication skills both internally and externally and using those communication skills to effectively solve problems
Required qualifications, capabilities and skills:
Bachelor of Arts in Finance, Accounting, Business Administration, Economics, or equivalent work experience if non-Finance related degree / Master of Business Administration
1-3 years commercial underwriting / automotive captive experience, with thorough knowledge of accounting, risk grading, cash flow analysis, financial statement analysis, loan structuring, and market
Hands-on experience underwriting commercial loans to franchised auto dealerships, or equivalent, including floor plan lending.
Superior analytical skills supported by excellent written and verbal communication skills
Demonstrated judgment and ability to act decisively
Expert knowledge of credit philosophy and policies, understanding of commercial loan documentation requirements, and related legal issues