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LOCATION

JOB TITLE

JOB DESCRIPTION

Mesa, AZ

Commercial Credit Analyst

Supports the commercial lending platform through financial and credit analysis and underwriting processes by gathering, analyzing and interpreting all types of credit information on existing and prospective clients and portfolios. Makes recommendations and supports decisions regarding the extension of credit for diverse loan types. Investigates and analyzes credit. Prepares and presents credit presentations to Relationship Managers/Loan Officers and committees for use in making credit decisions on new, renewal and extension loans. Monitors customer accounts and loan portfolios in order to maximize credit quality and minimize risk and potential loss. Supports the analytical processes involved with determining Allowance for Loan and Lease Losses (ALLL); board reporting; regulatory reporting; credit portfolio stress testing; internal and external loan review; and financial auditing.

Duties

  • Providing quality service to internal customers through undertaking risk assessment analysis of various types of lending proposals.
  • Analyzing financial information such as balance sheets, income and cash flow statements, and periodic financial reporting of all types.
  • Perform loan and portfolio level stress testing of financial results, collateral and credit variables.
  • Develop models and methodologies of credit information to predict patterns and trends using specific statistical software.
  • Assessing the overall credit worthiness of client companies.
  • Stay informed of regulatory, policy and procedural requirements to ensure compliance throughout the underwriting and credit administration processes.
  • Keep well informed as to market conditions as it relates to assessing risk in credit transactions.
  • Liaising with other staff within the company, such as account managers and product specialists to support the delivery of new and expanded products and services to clients.
  • Performs other duties as assigned from time to time by management of the bank.

Knowledge, Skills, and Education Requirements

Basic Qualifications

  • Bachelor’s degree in Finance, Business, Accounting or Statistics with a strong basis in financial accounting.
  • Well-developed credit analysis and analytical skills supported by formal credit and cash flow training.
  • Well-developed skills in the use of proprietary or non-proprietary analytical software supported by expert level skills in the use of Microsoft Excel.

Preferred Skills and Experience

  • Some experience in credit portfolio management.
  • Experience with government guaranteed and credit enhanced lending programs such as SBA 7A and 504 as well as USDA.
  • Direct experience with Buker’s Tax Analysis and FSA analytical software would be beneficial.
  • Basic knowledge of credit administration, policy and procedures.
  • Good knowledge of economics and finance.
  • Basic knowledge of risk analysis.
  • Effective technical report writing skills.
  • Effective verbal and written communication skills.
  • Willingness to work in and appreciation for the personalized and more intimate independent community bank environment.

Physical Requirements:

Physical requirements include accurate keyboarding skills, manual dexterity sufficient to manipulate files and other documents, and vision sufficient to work extensively with computer display, handwritten and printed data.

Interested applicants should send their resume to hr@horizoncommunitybank.com. We are and EOE employer.


Various Markets

SBA Loan Officer

We are an SBA preferred lender with a consistent credit box that is open to all types of 7a loans (business acquisition, start-ups, specialty properties, etc.). We’re looking for experienced 7a lenders in the Phoenix, Denver and Las Vegas markets. We have an advantage in speed to market on the front end and the ability to discuss credits with key decision makers very early in the process if necessary. A track record for solid production is key, but we’re willing to help someone take that next step under the right circumstances.

Interested applicants should send their resume to hr@horizoncommunitybank.com. We are and EOE employer.

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