Salary Grade:14
SUMMARY:
Identifies potential credit risks associated with new and existing commercial borrowers through the financial analysis process and works collaboratively with the Commercial Lenders to mitigate these risks.
ESSENTIAL JOB FUNCTIONS & RESPONSIBILITIES:
Credit Analysis
- Works collaboratively with the commercial lenders to provide an independent analysis of commercial borrowers in the identification and mitigation of potential credit risks; this process involves but is not limited to a thorough financial analysis, projecting cash flow and collateral evaluations
- Provides independent input in the process of risk rating commercial borrowers
- Responsible for annual review date tracking for commercial customers
- Distribute reviews to lenders and monitor follow up needed based on results of assessment of the third party loan review vendor
- Responsible for accurately completing credit analysis with basic levels of complexity
Credit Administration Duties
- Assists in the compilation of various reports for Loan Committee and the weekly distribution of the Loan Committee packages as needed
- Other duties as assigned
QUALIFICATIONS:
EDUCATION & CERTIFICATIONS: (Minimum education required to perform the duties of this position)
- Bachelor degree required; major in accounting or finance preferable
KNOWLEDGE, SKILLS & ABILITIES:
- One to two years of banking or business experience preferred
- Understanding of all Microsoft Office applications
- Ability to handle multiple priorities and significant workload
- Ability and willingness to produce high quantity and high quality work
COMPETENCIES:
- Must have cyber security awareness to protect the digital environment, the Bank, and customers.
- Problem Solving
- Verbal and Written Communication
- Critical Thinking Skills
- Adaptability
- Eager Learner
- Learning Agility
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
Skills Required
- Bachelor's degree
- Major in accounting or finance
- One to two years of banking or business experience
- Understanding of Microsoft Office applications
- Credit analysis and financial statement analysis skills
- Ability to handle multiple priorities and significant workload
- Ability and willingness to produce high quantity and high quality work
- Cyber security awareness to protect bank and customers
- Problem solving
- Verbal and written communication
- Critical thinking skills
- Adaptability
- Eager learner and learning agility
What We Do
Cape Cod 5 is a community bank with over $5.7 billion in assets committed to supporting its customers wherever they are – in the world and on their life journey – through its full-service digital offerings or in person at one of its locations throughout Cape Cod, Nantucket, Martha’s Vineyard and Southeastern Massachusetts. Founded in 1855, Cape Cod 5 offers a broad range of financial products and services, including consumer and commercial banking products; residential mortgages; investment management and trust services. We at Cape Cod 5 are deeply committed to the communities we serve. Our dedication to serving our neighbors and local businesses and earning our customers’ trust every day has remained the same since our founding in 1855. We focus on continuously evolving to be our customers’ trusted financial partner in a rapidly changing world, offering sound guidance, accessibility and insight to help support our customers’ financial wellness. Never disclose account information or personal information on LinkedIn. Cape Cod 5 will never ask you for your account information, password, Social Security Number or other identifying information via LinkedIn. This page and Cape Cod 5 links are presented by Cape Cod 5, but the website is controlled by LinkedIn, which established its own privacy and security policies. You are urged to read those polices before processing. Cape Cod 5’s website privacy and security polices do not apply to your activity on LinkedIn.
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