RESPONSIBILITIES
- Accurately prepare loan requests and loan renewal write-ups; including global cash flow analysis, collateral analysis, industry analysis, management analysis, and overall repayment capacity
- Complete underwriting in accordance with current regulations, compliance terms, bank policy, and legal requirements
- Accurately spread financial statements and tax returns and analyze historical performance
- Assist in the preparation of annual reviews of existing clients upon receipt of updated financial information
- Monitor financial statement requirements, loan covenants, and borrowing base certificates and communicate findings to lender and manager. Prepare pertinent reports, tracking financial information and receipt thereof.
- Participate in identifying, measuring, monitoring, controlling, and mitigating credit risk of the commercial loan portfolio
- Obtain, analyze, and incorporate third-party borrower information (e.g., credit reports, costar, RMA)
- Accompany Commercial Lenders on calls and inspections, and assist with presenting loan requests to approvers as needed
- Assist in loan review cycle and with classified asset reporting
- Attend and participate in department meetings as necessary
- Maintain orderly and up to date credit files
- Maintain ownership for all accepted tasks
- Take a proactive approach to learning and career development
- Understand and promote the bank’s credit culture and credit policies
- Maintain awareness of and adherence to Bank’s compliance requirements and risk management concepts, expectations, policies and procedures and apply them to daily tasks
- Deliver a consistent, high level of service within our Serving More standards
- Other duties as assigned
COMPETENCIES
- Interpersonal/Customer Service Skills
- Written and Verbal Communication
- Ability to understand and follow directions
- Adaptable to change
- Basic Computer Skills
- Organizational Skills/Detail Oriented
- Analytical Thinking
- Problem/Situation Analysis
- Ability to influence others
- Ability to work as part of a team
SCHEDULE
Office hours are Monday through Friday 8am to 5pm. This position is hourly and full time. A minimum 37.5 hours is required to maintain eligibility for full-time status. Generally the position will require 40+ hours per week.
A flexible work arrangement is available for this position. The position will require some scheduled onsite hours. Please speak to the hiring manager for more information.
EDUCATION - CERTIFICATIONS - WORK EXPERIENCE
BA/BS, Business Management required
BA/BS, Finance / Accounting or other concentrations considered with 2+ years relevant experience
Equal Opportunity EmployerThis 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.
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What We Do
Banking is about relationships more than money. We’re a family of successful community banking teams led by strong, local leadership. We connect the convenience and resources of a national bank with hands-on, personalized service. Our commitment to serving with integrity and reliability has led to relationships that last generations. Our size and strength give customers flexible, banking options and convenience with extensive branch and ATM coverage. A wide variety of secure digital services help people manage their money anytime, anywhere. We want customers to bank the way they want and benefit from accounts that work for them. Whether it’s a home or vehicle loan, business loan or line of credit, our customer’s financial goals are our priority. At our core, we’re a community bank. From personal connections to large-scale partnerships, we work hand-in-hand to positively impact our communities, one customer at a time. THE ASSOCIATE EXPERIENCE: At Park, banking is about more than money, and your job is more than the work you do. Experience a career that ignites your passion to serve, unlocks your potential to grow and fuels the life you want to build for yourself and those you love. This is the official page for Park National Bank, headquartered in Newark, OH. Member FDIC. Equal Housing Lender
