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Credit Analyst
Ref No.: 18-02620
Location: Miami, Florida
Position Type:Full Time
This position provides an objective appraisal to Bank management of residential loans in order to identify potential loan problems and ensure compliance with established loan policies and state and federal regulations.

Primary Accountabilities
  • Conduct detailed loan reviews based on risk and/or size of all credit types that cover the following areas:
    • Asset Quality – Ensuring that acceptable credit standards are maintained (confirms lien perfection, repayment capacity, collateral, etc.)
    • Documentation – Ensuring that loans conform to established bank lending policies and procedures and that required documents have been obtained and are thorough and accurate
  • Compliance – Ensuring conformance to relevant state and federal laws and regulations
    • Ensures the creditworthiness of the loan portfolio, looking for changes that merit a review of lending practices and/or changes in risk ratings
    • Validates the accuracy of the risk rating assigned to each commercial borrower reviewed
      • Recommends final risk rating for approval by the Manager – Credit Review
      • Provides detailed reasons/rationale for assigning differing risk rating
  • Validates the underwriting completed on samples of retail loans
  • Verifies quality, completeness and accuracy of supporting loan documentation and analysis
  • Reviews loan files for appraisals, deeds of trust, UCC filings, perfection on liens, collateral evaluations and valuations, etc.
  • Performs regular back-end reviews of financials and related analysis (financial statements, tax returns, rent rolls, personal financial statements, cash flow statements, etc)
  • Prepares a summary line sheet for each borrower reviewed and supporting analysis, which is maintained in the credit file (imaging system).
  • Provides assistance and consultation to loan officers, other lending personnel (loan administration, lending assistants, etc.), auditors and regulatory examiners
  • Participates in special lending-related projects as directed
  • Performs additional job related duties as assigned or required

Knowledge/Skill/Ability Requirements

Position Qualifications

  • BS in Business with an emphasis in Finance or Accounting
  • Three to five years of experience in a loan review or credit analysis capacity
Competencies/Other Skills:
  • Thorough knowledge of lending laws and regulations
  • Strong analytical, technical and statistical skills
  • Sound working knowledge of accounting principles and financial statements
  • Strong integrity in all areas, adhering to policies, regulations and utmost and legal standards
  • Uphold confidentiality and privacy of findings in all situations
  • Demonstrate ability to prioritize and handle multiple projects
  • Remain flexible to withstand unpredictable changes to schedules and deadlines
  • Interact and communicate effectively with personnel at all levels of the organization
  • Building and Mending Relationships
  • Selecting, Developing, Accepting People
  • Participative Management
  • Change Management
  • Decisiveness with Insight
  • Influencing, Leadership, Power
  • Leading with a Purpose
  • Self-Management, Self-Insight, Self-Development
  • Coping with Pressure and Adversity – Integrity
  • Seeks and Uses Feedback
  • Applies Learned Complex Concepts