急招信用分析师-New Grad-支持CPT/OPT/EXT-年薪80K

工作性质: 全职
行业: 文职人员
类型: 招聘
是否支持远程工作: 是

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Introduction:
Underwrite credit requests for new or existing commercial or individual customers and review current credit limits and financial performance of new or existing commercial or individual customers. This person will have direct contact with internal and external Bank customers and take ownership and accountability with the assigned loan officer for the overall credit file maintenance.
为新的或现有的商业或个人客户承保信贷请求，并审查新的或现有的商业或个人客户的当前信用额度和财务业绩。 此人将直接与银行内部和外部客户联系，并与指定的信贷员一起负责整体信用档案维护工作。

Responsibilities:
- Manage and develop customer relationships with assigned portfolios while providing routine monitoring of their financial performance to plan expectations.
- Notify management of any significant deterioration in customer credit profile.
- Conduct periodic financial statement analysis and performance reviews of Commercial or Individual customers, including spreading financial statements, assisting the loan officer with assigning a credit risk rating, and documenting the analysis for presenting to credit committee or other credit approvers.
- Provide routine surveillance in conjunction with the assigned loan officer of existing accounts including compliance with loan agreement covenants, borrowing base certificates, maintenance of collateral coverage, and conduct lien searches.
- Propose and discuss adequate risk mitigation solutions with management to reduce, transfer, or cover credit risk.
- Actively partner with other Bank personnel in determining solutions that meet existing or prospective customer needs. Provide support and assistance of other credit colleagues when needed.
- Actively participate in internal credit or strategy discussions as well as in-person meetings with existing or prospective customers.
- Assist the assigned loan officer in actively monitoring prudent loan administration oversight.
- Assist the assigned loan officer in maintaining accurate and current customer credit files.
- Actively participate in projects that may arise with the Credit Administration Department.

- 管理和发展与指定投资组合的客户关系，同时定期监控其财务业绩以规划预期。
- 通知管理层客户信用状况的任何显着恶化。
- 对商业或个人客户进行定期财务报表分析和绩效审查，包括展开财务报表，协助信贷员分配信用风险评级，以及记录分析以提交给信贷委员会或其他信贷审批人。
- 与现有账户的指定信贷员一起提供例行监督，包括遵守贷款协议契约、借款基础证书、维护抵押品覆盖范围以及进行留置权搜查。
- 与管理层一起提出并讨论适当的风险缓解方案，以降低、转移或覆盖信用风险。
- 积极与其他银行人员合作，确定满足现有或潜在客户需求的解决方案。 在需要时提供其他信贷同事的支持和协助。
- 积极参与内部信用或战略讨论以及与现有或潜在客户的面对面会议。
- 协助指定的信贷员积极监督审慎的贷款管理监督。
- 协助指定的信贷员维护准确和最新的客户信用档案。
- 积极参与信贷管理部门可能出现的项目。

Qualifications:
- One or more years’ experience in Commercial credit analysis preferred.
- Strong understanding of financial statement analysis. and familiarity with contracts and credit / loan documentation.
- Proficient computer skills with a good working knowledge of Microsoft Word/Excel/Power Point/Outlook.
- Must have a clear sense and ability of when and why to escalate conflicts, concerns, and issues.
- Must possess excellent writing skills to effectively and efficiently portray financial analysis into written narrative.
- Strong communication skills, written and verbal.
- Customer service focused.
- Maintain confidentiality of customer information.
- Resourceful, well organized, and ability to multi-task.
- Effective problem-solving and decision-making skills.
- Strong attention to detail.
- 一年以上商业信用分析经验者优先。
- 对财务报表分析有深刻的理解。 熟悉合同和信贷/贷款文件。
- 熟练的计算机技能，具有良好的 Microsoft Word/Excel/Power Point/Outlook 工作知识。
- 必须对何时以及为何升级冲突、疑虑和问题有清晰的认识和能力。
- 必须具备出色的写作技巧，才能有效地将财务分析描绘成书面叙述。
- 较强的书面和口头沟通能力。
- 以客户服务为中心。
- 维护客户信息的机密性。
- 足智多谋，组织良好，能够完成多项任务。
- 有效的解决问题和决策能力。
- 非常注重细节。

工作地点：Chicago (接受Remote)

工作性质：全职

工作时间：周一 - 周五

薪资待遇：$80,000-$100,000

全职福利: Medical, Vision, and Dental plans; 401(k);

＊ Sponsor CPT/OPT/OPT Ext./ H1b | Entry Level

投递邮箱：nanawork656@gmail.com

联系时请一定说明是在休斯敦华人资讯网看到的，谢谢