Risk Analyst 1

Join Triumph!

At Triumph, our vision is a world where freight transactions are accurate and seamless on the most modern and secure freight transaction network. That’s why we’re looking for passionate, innovative, solutions-oriented people to join our team. We thrive on providing exceptional customer service and we look for team members with an entrepreneurial spirit and a passion to build successful partnerships with our clients. Because at the end of the day our goal is to help our partners businesses run better.

Position Summary: Triumph Commercial Finance (“TCF”), a division of TBK Bank, SSB (“TBK”), originates and services amortizing loans to support CapEx financing in the transportation and construction industries.  TCF enables borrowers to generate incremental revenues and cash flows to build long term shareholder and enterprise value.  The Credit & Underwriting function at TCF serves to mitigate potential credit risks across the portfolio through the approval of new and existing lending relationships, while supporting ongoing servicing efforts via monitoring capabilities.

TCF is hiring a Risk Analyst I that will be responsible for underwriting the credit profile risks inherent in new applications and conducting portfolio management support by ensuring data integrity, covenant and reporting requirement measurements through the ongoing financial statement collection and analysis.  The Risk Analyst I position will require a high degree of organization, attention to detail, initiative and an effective communication skill set.  A qualified applicant must also demonstrate firm credit risk fundamentals, along with the capacity to identify, address and convey key decision inputs from disparate sources to achieve decision concurrence from all stakeholders.

ESSENTIAL DUTIES & RESPONSIBILITIES

• Evaluate the credit risks implied by a thorough review and analysis of the application, business conditions, bureau reports, financial statements and management capabilities.
• Evaluate the potential loss given default and negotiate structural enhancements with respect to both transaction attributes, guarantor and collateral structures.
• Anticipate downstream work flow requirements in documentation to ensure both security interest perfection while setting appropriate market expectations.
• Prepare credit memo packages and presentations for relationship exposures of $0.1MM - $50MM.
• Negotiate effectively with sales to convey decisions that meet both the TCFrisk appetite, as well as the Borrower’s expectations.
• Ensure Decision inputs and the credit file remain current and digitized in accordance with established procedures.
• Support ongoing borrower credit file maintenance through collection of financials, covenant testing, and supporting data translation and input in conjunction with ongoing system enhancements.
• Perform other duties as assigned.

EXPERIENCE & EDUCATION

• 5 – 10 Years of experience in Equipment Finance commercial credit underwriting.
• Bachelor’s Degree or 10+ years of Equipment Finance experience.

SKILLS & ABILITIES REQUIRED

• Excellent written, oral and presentation skills and an ability to distill complex and distinct factual inputs into a coherent decision rationale and recommendation.
• Demonstration of initiative and capacity to work independently along with the requisite humility to support all of the TCF functions including booking, funding, sales, service and collections.
• Proficiency in Microsoft Office, word, excel.
• Title, lien perfection and transportation finance experience and knowledge preferred.

WORK ENVIRONMENT

The work environment characteristics described here may be encountered while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Moderate noise (i.e. business office with computers, phone, and printers, light traffic).
• Ability to work in a confined area.
• Ability to sit at a computer terminal for an extended period of time. Occasional stooping or kneeling may be necessary.
• While performing the duties of this job, the employee is regularly required to stand, sit, talk, hear and use hands and fingers to operate a computer keyboard and telephone.
• Specific vision abilities are required by this job due to computer work.
• Light to moderate lifting is required.
• Regular, predictable attendance is required.

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We offer Medical, Dental, Vision, Paid Time Off, 401k and much more.

Go on.  Do it.  Apply Today!