Credit Authorizer Job Description Sample
For more than 40 years, American Home Shield has protected homeowners by providing affordable protection against home system component and appliance breakdowns. As the leader in the home warranty industry, we have a network of more than 11,000 pre-screened home service contractors and 45,000 professional technicians that provide convenient, reliable expert service to our customers.What is this role about?American Home Shield Authorizers play a very important front-line role interacting with our valued customers regarding their home warranty plan coverage.What does a "Day-in-the-Life" look like?This fast paced role is based in one of our Customer Contact Centers across the country. In this role you are interpreting contracts and coverage for inquiries from customers, technicians, and contractors related to HVAC, appliance and other home systems; authorizers often work across departments and utilize multiple resources to effectively resolve inquiries for our customers.Here are a few specifics of what you would be doing each day:* Approving initial diagnosis of issues reported by customers
Authorizing repair (or replacement) of systems or appliances covered by the plan
Negotiating pricing with contractors
Coordinating appropriate follow-up with customers or contractors to ensure issues are resolved satisfactorily
Informing customers of non-covered claims and effectively explaining the reason why
Providing your technical knowledge and expertise to other colleagues
What do I need to be successful?* High school diploma or GED is required
Prior customer service or related experience is preferable
Experience with HVAC and other mechanical systems highly desirable
You are able to effectively interpret home warranty plans, contract coverage, etc.
You enjoy engaging with customers and providing quality service
You are good at solving problems and explaining solutions
You are effective at conflict resolution
You excel at de-escalating upset or frustrated customers
You thrive in a fast paced environment where multi-tasking is necessary
You have strong communication skills - interpersonal and written
You have solid computer skills including having worked with Microsoft Office products
Why should I choose American Home Shield?In addition to being part of a great brand with an exciting future, here are some other highlights of what we offer members of the AHS Team.
Comprehensive training, all paid by the company
Very competitive compensation program
Opportunities for advancement and career growth - including paths into management level roles
Medical, dental and vision coverage + discounts on ServiceMaster brands
Short/long-term Disability and Life Insurance
Paid time off
DisclaimerThe above statements are intended to describe the general nature of the work being performed by employees assigned to this classification; they are not an exhaustive list of all responsibilities, duties and skills required for the position.American Home Shield and ServiceMaster are committed to hiring and retaining a diverse workforce. We are proud to be an Equal Opportunity/Affirmative Action-Employer, making decisions without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability status, age, marital status, protected veteran status or any other protected class.Equal Opportunity Employer of Minorities, Females, Protected Veterans, and Individual with Disabilities
Credit Risk Analyst Ii/Sr Credit Risk Analyst - Credit Risk Management
The Federal Reserve Bank of Cleveland is part of the nation's central bank. We have provided many opportunities for professional growth during our history.
For eighteen years in a row, we have been named "One of Northeast Ohio's Best Places to Work" by North Coast 99. This prestigious award honors organizations with outstanding employment practices, including compensation, benefits, training, recruitment, retention, community services, and employee communications. At our state-of-the-art Cleveland office we are seeking innovative thinkers with vision to build the framework that will carry the Bank into the future.
Join our team! Credit Risk Analyst II/Senior Credit Risk AnalystCredit Risk Management Evaluate the acceptability of investment securities pledged to the Federal Reserve for Discount Window, Payment System Risk and Treasury collateral programs. Analyze loan and investment securities collateral data on a macro- and micro- basis for both the District and System to identify emerging trends. Prepare briefings, presentations, and other communications for key decision-makers regarding matters impacting the Discount Window.
Participate on and/or lead System work groups to explore Discount Window and collateral programs, practices, policies, and issues. Research and respond to complex depository institution inquiries regarding Federal Reserve lending programs, eligibility, and collateral programs. Candidates must have a strong understanding of liquidity/funding analysis, financial analysis, investment security/loan portfolio analysis, trend analysis and MIS reporting abilities.
Strong communication skills required when working with Federal Reserve management and personnel, fourth District depository institutions and supervisory agencies. Specialized, technical skills with advanced knowledge of business related software applications, including Excel, Access and other database and analytical tools. Ability to perform in-depth, independent research.
Ensures the daily operations of core functions are conducted consistently with established policy, procedure, and prudential risk and control requirements. Job Specifications:
Bachelor's degree * 4-7 years of related work experience (Credit Risk Analyst II); 7 years or more of related work experience (Senior Credit Risk Analyst)
Proficiency with complex business machines (computers, etc.)
Ability to perform involved, independent research and creative work
Knowledge of moderately complex procedures and practices of a specific function
Knowledge of procedures and services of related areas (such as accounting or purchasing)
Ability to perform routine tasks
- Specialized, technical skills Complexity of Challenges: Requires following generally defined procedures.
Decisions are made about common problems that come up frequently. Some independent thinking is required. Problem Solving
Interpersonal communication: Requires communicating well with people at different levels, frequently sharing information with others while listening to and understanding their points of view. Logical analysis:
Requires thinking through and solving problems step by step, often looking beyond the obvious solution to a problem and digging deeper for the best solution. Controls: Borrowing restrictions and other limitations on financial holdings designed to alleviate staff conflicts of interest with District depository institutions. Internal procedures and controls (i.e., dual pass or segregation of duties for data input for staff with data entry responsibilities), automation system access and utilization controls associated with CRM's core functions and daily processes.
PLEASE NOTE : This position requires access to confidential supervisory information, access to which is limited to "Protected Individuals" as defined by regulation of the Board of Governors of the Federal Reserve System. Protected Individuals include, but are not limited to, U.S. Citizens, U.S.
Nationals, and lawful permanent resident aliens (also known as "green card holders") but do not include (i) a permanent resident alien who fails to apply for naturalization within six months of the date the alien first becomes eligible to apply for naturalization and (ii) an alien who has applied on a timely basis, but has not been naturalized as a citizen within 2 years after the date of the application, unless the alien can establish that the alien is actively pursuing naturalization. If you are selected for an interview, you will be required to present documentation of your eligibility prior to the interview.
Organization:Federal Reserve Bank of Cleveland
Title:Credit Risk Analyst II/Sr Credit Risk Analyst - Credit Risk Management
Credit Officer 2 - THD Commercial Credit
Primary Location: United States,Texas,Irving
Other Location: United States,Utah,Roy
Education: Bachelor's Degree
Job Function: Credit
Shift: Day Job
Employee Status: Regular
Travel Time: No
Job ID: 18002235
Description Credit Officer 2
Performs in-depth financial statement analysis to manage new and existing relationships with exposures $250M in addition to high risk credits.
Integrates in-depth credit operations knowledge with a solid understanding of industry standards and practices.
Uses judgment to complete more complex credit transactions with direct business impact.
Oversees credit application process to include credit verification and determines credit limits.
Performs analysis of credit reports, financials, etc. to provide the status on credit and operating statements.
Applies analytical thinking and knowledge of credit analysis tools and methodologies.
May serve on special project teams as assigned.
Mentor lower level analysts.
Additional assignments as business needs are identified.
About Citi Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients. Citi’s Mission and Value Proposition at http://www.citigroup.com/citi/about/mission-and-value-proposition.html explains what we do and Citi Leadership Standards at http://www.citigroup.com/citi/about/leadership-standards.html explain how we do it. Our mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. We strive to earn and maintain our clients’ and the public’s trust by constantly adhering to the highest ethical standards and making a positive impact on the communities we serve. Our Leadership Standards is a common set of skills and expected behaviors that illustrate how our employees should work every day to be successful and strengthens our ability to execute against our strategic priorities. Diversity is a key business imperative and a source of strength at Citi. We serve clients from every walk of life, every background and every origin. Our goal is to have our workforce reflect this same diversity at all levels. Citi has made it a priority to foster a culture where the best people want to work, where individuals are promoted based on merit, where we value and demand respect for others and where opportunities to develop to are widely available to all.
Bachelor's degree or equivalent experience required (Graduate School experience desired)
Understanding of business needs/requirements
Five+ years Credit Analysis experience required
Previous commercial credit authority preferred
Good corporate and merchant credit and exposure analysis skills
Strong process and project management skills
Previous demonstrated ability to read and interpret commercial credit bureaus, analyze trade experience, and utilize external financial resources to underwrite commercial credit requests is required
Demonstrated commercial underwriting/analysis experience
Strong analytical skills
Strong communication skills; bother written and verbal
Proficient working knowledge of Windows and Excel
Typing skills required
Phone etiquette skills required
Strong customer service skills
Multi-tasking in a high volume environment required
Demonstrated Commercial Financial Statement analysis
Moody's MFA/Spreading experience
Prior lending authority desired
Broad based underwriting knowledge, and 5+ years decision-making experience
Credit Analyst, Structured Credit Research
COMPANY Genworth is a Fortune 500 financial services company providing financial security and protection through our Mortgage Insurance and Long Term Care Insurance businesses. Our purpose is to help families achieve the dream of homeownership and address the financial challenges of aging. At Genworth, our promise to our employees is the opportunity to make a meaningful difference in the lives of our customers, our communities, and one another. Led by our Chief Investment Officer, the Investment Department manages a consolidated investment portfolio of nearly $75 billion and consists of investment professionals focused on portfolio management, risk management, asset management, derivatives, operations, finance and accounting functions.
SUMMARY This position will be a member of the Structured Credit Research team predominantly covering RMBS and ABS sectors. The successful candidate will play an important role in evaluating new investment opportunities and managing existing investment positions. The individual in this position will have a portfolio of credits to surveil and will be responsible for supporting team analytics and reporting needs. This position will report to the Head of Structured Credit.
Work with senior analysts on the Structured Credit Team to make buy/hold/sell recommendations based on Genworth’s investments strategy, portfolio needs and risk parameters within the ABS, RMBS, and CMBS asset classes
Review portfolio holdings according to Investments surveillance requirements. This includes:
Analyzing performance information on Genworth’s holdings through Intex, Trepp, Bloomberg and Servicer reports
Maintaining relationships with trustees, servicers, special servicers, rating agencies, and bankers to determine causes of performance variance versus expectations
Comparing the performance to our original expectations, and
Participating in monthly credit reviews for structured finance asset classes and watch list discussions.
Assist in monthly surveillance review and quarterly bond level expected cash flow analysis
Assist in preparation of portfolio reviews
Bachelor's degree in Finance, or related area(s) of study
Minimum of 2 years of experience investing in structured products – ABS, CMBS, RMBS
Experience analyzing or modeling variety of deal structures
Experience working with Intex, Trepp, Bloomberg, CoStar / REIS
Strong Excel and Power Point Skills
Exceptional analytical skills, oral and written skills
Meticulous and detail-oriented team player who can adapt to changing priorities
MBA or equivalent degree
CFA or candidacy Genworth Financial, Inc. is a leading insurance holding company committed to helping families achieve the dream of home ownership and address the financial challenges of aging through its leadership positions in mortgage insurance and long term care insurance. Headquartered in Richmond, Virginia, Genworth traces its roots back to 1871.
Credit Specialist Credit Region 4
We are now hiring Req #5770 Credit Specialist Credit Region 4 CREDIT Hourly FT Wednesday, January 17, 2018 Headquartered in Dallas, Texas, Builders FirstSource is the largest supplier of building products, prefabricated components, and value-added services to the professional market segment, primarily for new residential construction and repair and remodeling, in the U.S. We provide customers an integrated homebuilding solution, offering manufacturing, supply, delivery and installation for a full range of structural and related building products.
We operate in 40 states with approximately 400 locations and have a market presence in 74 of the top 100 Metropolitan Statistical Areas, providing geographic diversity and balanced end market exposure. We service customers from strategically located distribution facilities and manufacturing facilities, that produce value-added products such as roof and floor trusses, wall panels, stairs, vinyl windows, custom millwork and pre-hung doors. Builders FirstSource also distributes dimensional lumber and lumber sheet goods, millwork, windows, interior and exterior doors, and other building products. Under general supervision, is responsible for the investigation and analysis of credit information while working within established guidelines.
Resolves routine credit and collection situations and requests assistance on highly sensitive accounts. Oversees the opening of new credit accounts and requests for additional credit. Compiles bank and trade references, credit reports and business reports.
Analyzes and evaluates credit applications and financial information using sound judgment. May approve credit lines up to a pre-defined limit. Recommends approval/rejection of credit applications to management.
Answers customer questions regarding account status and billing issues; handles inside sales requests regarding restricted accounts and accounts exceeding their credit limits in order to protect the company from future uncollectible accounts; collaborates with sales and operations management to address payment issues.
Monitors the collection of past due accounts, contacts customers for payment as well as determines lien rights and possible holds; may address moderately complex situations or escalate to a more experienced specialist or management. Creates collection correspondence and prepares lien documents for management action as needed. High School Diploma or General Education Degree (GED) and two (2) years credit and/or collections experience; or equivalent combination of education and experience. Builders FirstSource is an Equal Opportunity/Affirmative Action Employer.All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status or status as an individual with a disability. CREDIT Hourly High School Central Florida Area Admin - 3874 Church St (32771), Sanford, Florida, United States of America
Senior Credit Administrator, Lada Credit Management Group - Smbc Specialized Finance Department (Bilingual Spanish Preferred)
Overview SMBC's LADA Corporate Finance Team is looking for a Senior Credit Administrator who will be responsible for supporting the team’s coverage efforts through administrative functions in relation to credit/process controls and credit management of the LADA portfolio, with a focus on corporate transactions. The incumbent will be responsible for effective business operations and credit and risk management, with an emphasis on adherence to internal procedural rules, credit policy and requirements, and as needed, assist on-going portfolio maintenance activities and originations support from an administration point of view. The incumbent will also provide crucial support for bankers interfacing with clients by handling client related requests, communicating with relevant teams within the bank, etc. Bilingual English/Spanish candidates strongly preferred.
Responsibilities - Work closely with team members, credit, operations, and other internal SMBC teams including head office functions in Tokyo to ensure appropriate credit management and successful execution of transactions.
Act as a key contact person for the team’s country risk management, and spearhead various related activities including periodic reporting, arranging meetings and handling requests from the head offices.
Support corporate team’s internal credit process from origination to commitment including assisting internal administration process such as KYC, checking credit and review applications, and managing timelines of internal approval process through communications with credit department.
Ensure effective credit and risk management, with emphasis on adherence to credit policy and requirements, and as needed, assist on-going portfolio maintenance activities and originations support from administrative standpoints, such as update of deal pipeline list and update and analysis of Latam portfolio database.
Qualifications Work Experience:
A minimum of 3-5 years of relevant experience in a corporate bank or relevant financial institution.
Previous experience in an administrative function in credit process and/or portfolio management.
Advanced level of credit experience and familiarity with corporate finance a plus.
The ability to work with and understand various deal structures a plus. Education: - Bachelor’s degree in Business, Finance, Accounting, Economics, or equivalent work experience
- Formal credit training a plus.
- Must be proficient with Microsoft Word and Excel; Access proficiency a plus.
Strong mindset to get various projects done within required timeframe, by identifying necessary steps and potential challenges throughout the process, setting up proper milestones toward the deadline taking expected / unexpected disruptions into account, and executing the steps in accordance with the milestones while amending as situation requires along the way.
Able to quickly learn and adapt to internal policies, processes, grading and other systems. Able to work well in a culturally diverse and team oriented environment. Demonstrates intellectual curiosity and an interest in continuous learning.
Excellent written and verbal communication skills with an ability to present effectively through the administrative and credit processes.
Have the ability to operate independently and maintain a high level of trust and confidence by senior line and risk management.
Highly motivated and self-driven person with a desire to succeed and drive business.
Fluency in Spanish and/or Portuguese preferred. #LI-PRI
Job LocationsUS-NY-New York
TypeFull-Time SMBC is an EO employer – M/F/Veteran/Disability
VP, Credit Model Development – Paypal Credit (L12)
Credit & Risk VP, Credit Model Development – PayPal Credit (L12)
Alpharetta, GA, US
Charlotte, NC, US
Chicago, IL, US
Kettering, OH, US
Stamford, CT, US
- Timonium, MD, US Apply Job ID: 1800000154 Role Summary/Purpose: In this role, you will manage model risk for all models in the Credit organization (includes acquisition, account management, loss forecasting and stress testing models) and report directly into to the VP, Credit Model Leader. The successful candidate will be responsible for managing key aspects of model governance framework, including monitoring, reporting, validation, development, and implementation. Essential
Lead a team of model experts in the model monitoring process across the Credit organization, including root cause drivers of any material shifts in model performance; documenting change logs
Manage with legal/compliance, model validation & development, business user and other governance teams the review, testing and approval before implementation
Assist the model sponsor in providing documentation and responses related to model risk management for internal/ external reviews
Identify and coordinate activities requiring modelling support including new model build process; review and signoff on requirements
Manage model Inventory reporting; drive model simplification in business
Manageaudit and validation requests, and develop remediation plan for timely resolution on any issues uncovered through those requests
Assess appropriateness of model inputs, calibration quality and reliance on model outputs with support from modeling team
Ensure models are implemented working with cross functional team, and documented per Synchrony policy standards
Responsible for leading, coaching, and developing junior team members
- Perform other duties and/or special projects as assigned Qualifications/
Master’s degree in a quantitative discipline and 8+ years of experience in consumer credit risk modeling or; in lieu of a Master’s degree, a Bachelor’s degree in quantitative discipline and 10+ years of experience in consumer credit risk modeling
4+ years of progressive experience in model review or validation
4+ years of leading a team + 1+ years hands on programming skills (SAS/SQL/R/Python etc.)
4+ years working with large data sets Desired Characteristics:
Deep familiarity with model risk management under SR 11-7 model governance requirements
Extensive experience with Compliance/ legal in interpreting and implementing quantitative regulatory requirements within business settings
Excellent writing, communication and inter personal skills
Proficient in usage of SAS, Model builder or related modelling tools
Experience in developing consumer credit risk models
Direct exposure with delivering on data requests for auditors/examiners
Proven ability to lead a team of managers/ analysts
Strong leadership skills to drive change and results
- Master’s degree in Statistics or related field is preferred Eligibility
You must be 18 years or older
You must have a high school diploma or equivalent
You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the selection process
You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act.
Effective 1-1-18, new hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months’ time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 24 months’ time in position before they can post. All internal employees must have at least a “consistently meets expectations” performance rating and have approval from your manager to post (or the approval of your manager and HR if you don’t meet the time in position or performance requirement). Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. Reasonable Accommodation Notice:
Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment.
If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time. Grade/Level: 12
Strategic Credit Analyst - National Credit Center
The GM Strategic Credit Analyst is responsible for researching and analyzing credit applications, assessing credit history for acceptable risk and then approving or denying extension of credit to potential customers. This team member has contact with other company departments, as well as automobile dealers and other finance and credit sources. The team member will be responsible for overseeing the credit relationship to an assigned set of dealers. This team member will provide quality customer service by satisfying the credit needs of the dealer. This role is a field based position in one of our 15 Regional Credit Centers. This will require the team member to relocate to a permanent center within the U.S. after successful completion of the credit training program and based on business needs. This role requires relocation to Chandler, AZ upon hire to attend training prior to final relocation. JOB DUTIES:
Analyze credit data to determine the degree of risk involved in extending credit.
Make decisions to approve or deny the extension of credit within set credit authority established by senior management and state/federal laws.
Develop strong dealer relationships that ensure volume objectives and credit quality.
Increase GMF Market Share with assigned dealers.
Capture automotive finance contracts that meet GM Financial profitability criteria for pricing and performance.
Ensure compliance with applicable policies and procedures.
Ensure credit center office cooperation with other departments, to maximize efficiency within the company.
Achieve required credit quality and productivity by ensuring all queues are worked to acceptable service levels
Perform outbound telemarketing calls to assigned dealer personnel. REPORTING RELATIONSHIP: Reports to: Strategic Credit Manager Direct Reports: None Knowledge
Knowledge of consumer credit and indirect auto financing
Knowledge of credit laws and regulations
Knowledge of dealership operations and indirect auto finance
Able to meet deadlines and establish objectives
Working knowledge of Salesforce.com Skills
Ability to independently evaluate and make consistent, quality credit decisions that produce acceptable ratios and returns for the company.
Excellent oral and written communication skills.
Strong analytical skills required. Strong work ethic.
Superior customer relations skills.
Must be proficient in computer software such as, Excel, Word and PowerPoint. Experience
Must have successfully completed the Credit Services Certification.
1-2 years in consumer finance industry, underwriting or auto finance preferred.
1-2 years sales experience preferred.
Bachelor’s degree with emphasis on marketing business preferred. Equivalent experience can be substituted for degree. Requisition ID: 2017-30450 Travel: Not Applicable External Company URL: www.gmfinancial.com
Credit Analyst/Sr. Credit Analyst
Analyze financial reports, business plans, projections, sensitivity analyses, industry information and other related documents for the Institutional Banking team. This is a career development position within a vigorous business development environment. In this position you will:
Conduct independent research using numerous resources available; distill research into applicable, concise summary form for presentation purposes.
Collaborate with sales, portfolio management and credit personnel in generating approval documents while also helping to protect the quality of the Bank's loan portfolio.
Analyze financial reports, business plans, projections, sensitivity analyses and industry information, including public and private disclosures, for both existing clients and prospects.
Prepare a written evaluation of borrowers' financial condition and future outlook.
Assist in the preparation and assembly of essential components of commercial loan monitoring and review. Basic Qualifications
Bachelor's degree * 1 year experience in the financial industry Preferred Qualifications
Experience in the finance or banking industry is preferred
Demonstrated confidence, assertiveness, professionalism and ability to interact with all levels of management
Proficiency using Microsoft Powerpoint, Word and Excel is required
Ability to analyze financial data and narrative information quickly and thoroughly
Ability to independently work on projects in expeditious and focused manner
Excellent in customer service, highly motivated, focused, and goal oriented
Must have excellent written and verbal (face-to-face and phone) communication skills including professional grammar and demeanor and ability to communicate concepts and ideas concisely.
Exceptional critical thinking, problem solving ability, detail orientation and multitasking ability.
Team player with a positive attitude and ability to produce, independently and in a team setting, while operating in a stimulating and fast paced environment. Based on experience, this position may be hired at the senior level. EEO/AA Employer/Minority/Female/Disability/Veteran/Sexual Orientation/Gender Identity Tobacco-Free Hiring Practice: To demonstrate our commitment to health and wellness, Huntington will not hire any candidate who uses tobacco or any nicotine product including, but not limited to, cigarettes, cigars, pipes, smokeless tobacco, chewing tobacco, snuff or snus, nicotine gum, the nicotine patch or any other kind of nicotine replacement product (where permitted by applicable state law). Candidates applying for positions in those states will be notified of this practice during the recruitment process and, if offered a position, will be screened for cotinine (to check for use of tobacco and/or nicotine products and/or nicotine replacement therapy products) before they begin employment. If the position to which you're applying is covered by this practice, the job application will provide greater detail as to what constitutes tobacco use. Huntington does not accept solicitation from Third Party Recruiters for any position.
Credit Analyst / Senior Credit Analyst
The credit analysts at Mulligan are responsible and assessing the financial condition of small business loan applicants and approving or declining loans. The credit analysts evaluate financials to assess cash flow and liquidity in order to determine if loans should be approved or declined. Unlike working at a bank, this is an extremely fast-paced role that will involve decision making authority. Credit analysts must be adept at multitasking, critical thinking, and extemporaneous decision-making. Specific responsibilities include:
- Review financial statements and analyze business bank statements to determine credit worthiness of small businesses
- Analyze personal credit reports of businesses and individuals and assess how the guarantor personal credit may affect the creditworthiness of the business
- Sizing and structuring loans for approved clients
- Complete credit memos for approved loans that support the decision and the structure of the proposed financing
- Conduct ad-hoc research on businesses to protect against fraud
- Interview potential clients in order to further assess ability to repay
- Decline loan applications that do not meet the minimum criteria
- Bachelors’ degree, preferably in Business, Finance, Economics, or a similar discipline
- Minimum 1 year of experience underwriting and decisioning small business loan applications. 2-3 years in the industry is preferred
- A strong grasp of GAAP accounting principles and ability to dissect financial statements and business bank statements
- Knowledgeable about the small business lending landscape in the U.S. with insights into various industry risk segments
- Well-developed organizational, communication, and time-management skills
- Adept in all Microsoft Office Products, G-Suite, and ability to quickly pick up new programs and CRM systems
- Strong critical thinking, mathematical, and analytical skills
- Ability to make complex decisions under pressure in a fast-paced environment
To be successful in this role, you need to be highly organized, able to multi-task, and build rapport quickly and effectively. In this role, you will be the first impression for Mulligan Funding, and will need to present a professional and consultative demeanor to each prospective client.
We are growing our team by leaps and bounds and your success in this role, along with the company need, will determine your path. If you are results oriented, motivated, and enjoy working in a fast-paced environment, we would like to meet you.
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