Credit Analyst Banking Officer at US CENTURY BANK

Doral, Florida, United States -

Full Time

Start Date

Immediate

Expiry Date

25 Feb, 26

Salary

0.0

Posted On

27 Nov, 25

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Financial Analysis, Credit Risk Evaluation, Loan Structuring, Collateral Appraisals, Regulatory Compliance, Customer Interaction, Documentation Maintenance, Portfolio Management, Cash Flow Preparation, Credit Reporting, Industry Comparison, Project Budget Review, Loan Policy Adherence, Relationship Management, Research Activities, Loan Committee Presentation

Industry

Banking

Description

Description Fully support the bank’s commercial & commercial real estate credit and lending areas by performing the following. Requirements Essential Duties and Responsibilities: Perform a complete financial analysis and investigation on both corporate & personal borrowers and guarantors for the evaluation of credit risks & viability associated with all types of new commercial loan requests over $100,000. This process involves many tasks including, but not limited to: pulling credit reports, corporate and UCC searches, verifying tax returns and bank / trade references, analyzing and spreading financial statements, peer & industry comparisons, research activities, reviewing project budgets and leases, preparation of business, project and personal cash flows, customer and on-site visits, establish loan & financial covenants, loan structuring, assignment of proper loan risk rates, and identifying loan & documentation policy exceptions. Assist in maintaining the bank’s loan portfolio up to date by tracking maturity dates, concentration issues and completing timely annual reviews & renewals on existing credits or processing loan extension requests. Perform formal reviews of collateral appraisals (real estate, equipment) and environmental assessments. Assist in proper credit file maintenance by obtaining up to date documentation. Assist other relationship managers / lending personnel manage their own portfolios and workload. Preparation of credit offering sheets and memos for presentation of loan and related requests to the bank’s loan committee for discussion and approval. Performs other duties as assigned. Responsible for compliance with following regulations (if applicable): Bank Secrecy Act (BSA) Anti Money Laundering (AML) Office of Foreign Asset Control (OFAC) Know your Customer (KYC) Deposit related regulations (i.e. Reg. DD- Truth In Savings, Reg. E-Electronic Funds Transfer Act, etc.), as applicable Lending related regulations (i.e. Reg. B- Fair Lending, Reg. C-HMDA, Reg. Z- Truth Lin Lending Act, etc.), as applicable Community Reinvestment Act (CRA) Privacy Unfair, Deceptive, Abusive, Acts or Practices (UDAAP) USCB Policies and Procedures: All officers and employees of the bank are to maintain an understanding of all USCB Polices and Procedures as outlined in the bank’s shared drive. All employees are to follow said polices and procedures and report any knowledge of a variance of the same. Qualifications and Requirements: To perform this job successfully, and individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be to enable individuals with disability to perform the essential functions. Language Skills: Ability to read, analyze, and interpret common business, banking, documents. Able to respond to common inquiries or complaints from customers or members of the business community. Ability to write reports and business correspondence conform to prescribed style and format, relate well with others and quickly create a working rapport. Must have the ability to present information to management, employees, and customers. Education and/or Experience: Bachelor’s degree (B.A.) from a four-year college or university; and two years related experience and/ or training; or equivalent combination of education and experience. Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel objects or controls; reach with hands and arms; and talk or hear. The employee is occasionally required to stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision. Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The work environment is a climate-controlled office setting where the noise level is usually moderate. Work Habits: Include regular attendance, teamwork, initiative, dependability, and promptness. Disclaimer: This job description is not employment agreement or contract. Management has the exclusive right to alter this job description at any time. MEMBER FDIC/EQUAL OPPORTUNITY/AFFIRMATIVE ACTION EMPLOYER/DRUG FREE WORKPLACE

Responsibilities

The Credit Analyst Banking Officer supports the bank’s commercial and commercial real estate credit and lending areas by performing financial analyses and evaluations of credit risks for new loan requests. Responsibilities include maintaining the loan portfolio, reviewing collateral appraisals, and preparing credit offering sheets for loan committee presentations.