Prepare financial statement spreads and credit analysis for corporate and commercial real estate loans. Assess risk factors, repayment sources, loan grade appropriateness, and compliance; maintain loan pipelines and support loan renewals and annual reviews.
Job Summary & Responsibilities
JOB SUMMARY: Prepares spreads and other preliminary financial analysis. May support in renewal and annual reviews of existing loans in the Corporate and CRE portfolio. Ensures credit quality is maintained through identification of key risk factors associated with each loan and determines if those factors are mitigated; analyzes the viability of the repayment sources; assesses the appropriateness of the current loan grade; and reviews the prior and conditional approval and all loan documents to ensure the borrowers' compliance with the terms of the loan.
ESSENTIAL DUTIES AND RESPONSIBILITIES
- Works closely with the managers and officers of the supported line of business production units (Corporate Lending, Specialty Lending, Commercial Lending, CRE, Bridge Funding, etc.) to determine on-going priorities for loans under analysis. Makes modifications to priorities as appropriate with the input of their supervisor.
- Maintains an up to date pipeline which details the status of all loans under analysis.
- Prepares credit analysis reports with complexity being comparable to their level of experience from simple transactions (for CPA I) to the largest and most complex lending relationships in the bank (for CPA III). This includes recommendations as to modified structure or collateral, and if warranted, recommending that the loan not be renewed or downgraded.
- Determines key risk factors for assigned loans and whether or not these are appropriately mitigated.
- Prepares financial statement spreads for officers in supported units to help them evaluate credit proposals in their early stage.
- Ensures compliance with Sarbanes-Oxley related matters.
- Participates in, and may have leadership roles in, ad hoc project assignments as made by the Director of Credit Products, Senior Credit Products Manager, or Credit Products Manager.
- Adheres to and complies with applicable, federal and state laws, regulations and guidance, including those related to anti-money laundering (i.e. Bank Secrecy Act, US PATRIOT Act, etc.).
- Adheres to Bank policies and procedures and completes required training.
- Identifies and reports suspicious activity.
QUALIFICATIONS
Education
- Bachelor's Degree in business related field or considered but acceptable alternative field Or
Experience
- 0-2 years as a credit analyst required
- Involved in the analysis of complex credits in both corporate lending and commercial real estate, in order to progress to the next Credit Product Analyst level required.
Knowledge, Skills, and Abilities
- Must have good accounting skills developed through formal college undergraduate courses (through intermediate accounting) or through acceptable alternative means such as AIB
- Have demonstrated good credit judgment
Additional Information
- Candidates residing in locations within BankUnited's footprint may be given preference.
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