commercial loan analyst

Berkadia

<div>
 Are you looking for the opportunity to make an impact?
 
 
 Berkadia&rsquo;s mortgage banking platform is consistently ranked among Fannie Mae, Freddie Mac and HUD&rsquo;s top lenders and is seamlessly integrated with our investment sales and servicing platforms to provide superior client service. Let the strongest research, technology, capital relationships, and a nationwide network of industry professionals propel you to the next stage of your commercial real estate career.
 
 Be Backed by the Best. Be Berkadia.
 
 
 
 The Real Estate Analyst will work closely with commercial loan originators on complex commercial mortgage deals. The analyst will focus on reviewing and evaluating new loan opportunities and serve as a key point of contact for tracking the progress of those opportunities through the loan cycle, assisting with the marketing of our products and services to potential customers and interacting with the borrowers through the underwriting process.
 
 
 
 We Innovate to shape the future of CRE, so in this role you will:
 
 
 
 <ul>
 <li>
 Review and analyze current and historical income and expenses of a property, along with market data, to determine the potential terms and conditions of the loan.
 </li>
 <li>
 Prepare loan submission packages for lender review and communicate with lenders.
 </li>
 <li>
 Compile, add, and maintain quotes to present to clients and track internally.
 </li>
 <li>
 Maintain communication with the borrower and mortgage banker throughout the process from quote to close.
 </li>
 <li>
 Facilitate information flow during due diligence/underwriting stage. Answer questions from lenders generated by the submission and research, analyze and provide additional information on request, including third party reports.
 </li>
 <li>
 Assist in maintaining vendor relationships, soliciting, and organizing report bids and arrange due diligence collection and site inspections.
 </li>
 <li>
 Ability to travel 1x or more per month for site inspections, meetings, and industry events.
 </li>
 <li>
 Other duties as assigned.
 
 
 </li>
 </ul>
 
 We Stand for Excellence, so to achieve success in this role you should have:
 
 
 
 <ul>
 <li>
 Effective communication skills, both written and verbal.
 </li>
 <li>
 Attention to detail, accuracy, and consistency
 </li>
 <li>
 Ability to work collaboratively in a team environment, manage deadlines, and adapt to changes.
 </li>
 <li>
 Enthusiasm and a willingness to learn.
 </li>
 <li>
 Ability to maintain confidentiality and adhere to organization policies and procedures.
 </li>
 <li>
 Bachelor&rsquo;s degree or equivalent
 </li>
 <li>
 1-3 years prior experience in a similar position.
 
 
 </li>
 </ul>
 
 We believe People Matter, so we offer benefits that go beyond:
 
 
 
 <ul>
 <li>
 Monthly paid volunteer hours and donation matching to benefit our communities
 </li>
 <li>
 Employee Resource Groups that help you grow with us
 </li>
 <li>
 Fertility and family planning services
 </li>
 <li>
 Up to 12-weeks of fully paid parental leave
 </li>
 <li>
 Mental health care, including free counseling sessions:
 </li>
 <li>
 We'll help you fund your learning journey with generous tuition reimbursement
 </li>
 <li>
 Pet insurance discounts
 </li>
 <li>
 And more!
 
 
 </li>
 </ul>
 
 Be the Next Big Thing. Be Berkadia.
 
 
 
 The provided base salary information for this position is part of an overall national range. The actual salary within our range for this position will be determined by several factors, including but not limited to the scope, complexity and location of the role, the skills, education, training, credentials, and experience of the candidate. The total compensation package for this role may also include additional incentive opportunities.
 
 
 
 Compensation
 
 
 
 $70,000&mdash;$85,000 USD
 
 
 Berkadia, as an equal opportunity employer, celebrates our employees&rsquo; unique differences, which we believe drives personal and company-wide innovation and creates a people-first culture where your career can take the long view. To achieve these goals, we are committed to the full inclusion of all qualified individuals, without regard to race, religion, age, color, national origin, gender, sexual orientation, gender identity or expression, marital status, domestic partner status, military and veteran status, disability, pregnancy, parental status, genetic information, political affiliation, or any other status protected by federal, state and local laws.
 
 
 In keeping with our commitment, Berkadia takes the necessary steps to provide a workplace free from harassment and discrimination, as well as access and reasonable accommodations for individuals with disabilities. If you require reasonable accommodation to take part in the interview process, please contact talentacquisition@berkadia.com.
 
 
 You have rights under Federal and State employment laws. No question in this Application is intended to elicit information in violation of any such law, nor will any information obtained in response to any question be used in violation of any such law. If you apply for this role, you are acknowledging Berkadia's Application Policy and Berkadia's Privacy Policy. Please click the following links for more information about: EEOC, Employee Rights under the FMLA, EPPA.
 
 
</div>

Real Estate Analyst

Columbia Bank New Jersey

<div>
 
 
 
 
 Summary
 
 
 : The Commercial Credit Analyst I prepares commercial credit memorandums for new loan transactions, renewals, and modifications. Responsible for spreading financial statements, researching industry trends, assessing collateral, reviewing search reports, and performing debt service coverage and financial ratio calculations. This is an entry-level role that requires problem solving and investigative skills, with the opportunity to learn about the banking industry.
 
 
 
 
 
 Job Description:&nbsp;
 
 
 
 
 
 
 Credit Analysis
 
 
 
 <ul>
 
 <li>
 Spread both business and personal financial statements to perform financial analysis and repayment assessment.
 </li>
 
 <li>
 Conduct financial analysis, industry and market assessment, repayment capacity, collateral coverage, and an assessment of guarantor support on smaller CRE, C&amp;I and Construction loan transactions through the preparation of written commercial credit memorandums.
 </li>
 
 <li>
 Research and analyze third party industry and market reports. Review third party search reports including, but not limited to, UCC lien searches, personal credit reports, judgment searches, property searches.&nbsp;
 </li>
 
 <li>
 Perform annual credit file reviews as needed.
 </li>
 
 </ul>
 
 
 
 Credit and Risk Rating
 
 
 
 <ul>
 
 <li>
 Run business and personal credit scores to determine approval or decline through an automated quick decision tool.
 </li>
 
 <li>
 Support the assignment of risk ratings and document upgrade and downgrade triggers in accordance with the Bank&rsquo;s Internal Asset Review Policy
 </li>
 
 </ul>
 
 
 
 Job Knowledge and Compliance
 
 
 
 <ul>
 
 <li>
 Practice ability to independently build job knowledge and understand policies and procedures.
 </li>
 
 <li>
 Make recommendations to management for process enhancement as needed.
 </li>
 
 <li>
 Ensure commercial credit transactions are in full compliance with all internal credit policies.
 </li>
 
 </ul>
 
 
 
 Other Responsibilities
 
 
 
 <ul>
 
 <li>
 Perform other job-related duties as may be assigned.
 </li>
 
 </ul>
 
 
 
 
 Job Requirements:
 
 
 
 
 <ul>
 
 <li>
 Bachelor&rsquo;s degree in Business Administration, Accounting, Finance, or another related field required;
 </li>
 
 <li>
 Strong aptitude for figures and accuracy;
 </li>
 
 <li>
 Proven problem solving, decision making, underwriting and analytical skills;
 </li>
 
 <li>
 Ability to work independently, effectively, and efficiently under time constraints;
 </li>
 
 <li>
 Ability to prioritize and manage multiple assignments with good organizational and time management skills;
 </li>
 
 <li>
 Excellent written and verbal communication skills;
 </li>
 
 <li>
 Demonstrated proficiency with computer software including MS Office applications and other specialized credit analysis and lending software.
 </li>
 
 </ul>
 
 
 
 
 Columbia Bank offers the following benefits:
 
 
 
 
 <ul>
 
 <li>
 Medical, Dental, Vision and Rx which are contributory.
 </li>
 
 <li>
 Bonus programs.
 </li>
 
 <li>
 Employee Stock Option Program (ESOP).
 </li>
 
 <li>
 Life Insurance, Long Term Disability and Accidental Death and Dismemberment (LTD&amp;AD&amp;D).
 </li>
 
 <li>
 Paid Time Off (PTO) which includes Personal and Vacation Time.
 </li>
 
 <li>
 Paid Sick Time.
 </li>
 
 <li>
 Bank Holidays.
 </li>
 
 <li>
 Employees may participate in the 401k program.
 </li>
 
 </ul>
 
 
 
 
 Schedule:
 
 
 
 
 <ul>
 
 <li>
 This role is eligible for a hybrid schedule: 3 days in the office and 2 days work from home, based on business needs. This arrangement may change without notice.
 </li>
 
 </ul>
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 Columbia Bank and its affiliates is an Equal Opportunity Employer, including individuals with disabilities and veterans.
 
 
</div>

Commercial Credit Analyst I

Toyota North America

<div>Overview
Who we are<div>
Collaborative. Respectful. A place to dream and do. These are just a few words that describe what life is like at Toyota. As one of the world&rsquo;s most admired brands, Toyota is growing and leading the future of mobility through innovative, high-quality solutions designed to enhance lives and delight those we serve. We&rsquo;re looking for talented team members who want to Dream. Do. Grow. with us.
An important part of the Toyota family is Toyota Financial Services (TFS), the finance and insurance brand for Toyota and Lexus in North America. While TFS is a separate business entity, it is an essential part of this world-changing company- delivering on Toyota's vision to move people beyond what's possible. At TFS, you will help create best-in-class customer experience in an innovative, collaborative environment.</div>
To save time applying, Toyota does not offer sponsorship of job applicants for employment-based visas or any other work authorization for this position at this time.
Who we&rsquo;re looking for
Toyota&rsquo;s Dealer Lending Portfolio Management Department is looking for a passionate and highly motivated Dealer Lending Portfolio Analyst.
The Dealer Lending Portfolio Analyst is responsible for all aspects of monitoring and managing a portfolio of commercial dealers. This includes building relationships with dealership personnel and acting as a liaison between them and various internal stakeholders. Utilizing reporting, trackers, and systems, the Dealer Lending Portfolio Analyst will review metrics such as line utilization, audit results, financial performance, and operating trends to proactively identify risks and coordinate the appropriate mitigation efforts.
Reporting to the Dealer Lending Portfolio Management Supervisor, the person in this role will support the Dealer Lending Portfolio Management department's objective to focus on commercial loan risk management and excellent customer service to our internal and external customers.
What you&rsquo;ll be doing
<ul><li>Collaborate with Dealer Lending Operations, Underwriting, Risk, and Field Sales to assist with client servicing, collecting financial information, following up for documentation, reviewing audit performance, reviewing payment patterns, assessing financial performance, confirming Covenant compliance, and monitoring line utilization trends.
</li><li>Act as a point of contact both internally and externally for requests and questions related to a portfolio of commercial accounts.
</li><li>Work directly with dealership personnel to address issues and provide insight.
</li><li>Review reports and trackers, as well as pull ad-hoc information to monitor dealership financial performance, operating trends, and security position.</li><li>
Facilitate open communication channels between various internal business partners, i.e. Underwriting, Servicing, Audit, Risk, Field Sales, Legal, Treasury, etc., advising them as needed to support the underwriting and portfolio management process.</li><li>
Create and deliver meaningful, sustainable value to customers by anticipating needs and expectations and providing appropriate value-add solution to support the Field Sales team&rsquo;s business development efforts with existing clients</li></ul>
What you bring
<ul><li>Bachelor&rsquo;s degree, in Business Administration or a related field or progressive years of relevant work experience in a similar or related industry.
</li><li>Experience in managing a portfolio of accounts.</li><li>
Ability to effectively communicate directly with customers and build relationships.
</li><li>Ability to work in a dynamic environment and adapt to shifting priorities.
</li></ul>Added bonus if you have
<ul><li>Commercial automotive experience at a captive finance company</li></ul>
What We&rsquo;ll Bring
During your interview process, our team can fill you in on all the details of our industry-leading benefits and career development opportunities. A few highlights include:<ul><li>
A work environment built on teamwork, flexibility and respect</li><li>
Professional growth and development programs to help advance your career, as well as tuition reimbursement</li><li>
Team Member Vehicle Purchase Discount</li><li>
Toyota Team Member Lease Vehicle Program (if applicable)</li><li>
Comprehensive health care and wellness plans for your entire family</li><li>
Toyota 401(k) Savings Plan featuring a company match, as well as an annual retirement contribution from Toyota regardless of whether you contribute</li><li>
Paid holidays and paid time off</li><li>
Referral services related to prenatal services, adoption, childcare, schools and more</li><li>
Tax Advantaged Accounts (Health Savings Account, Health Care FSA, Dependent Care FSA)</li></ul>
Belonging at Toyota
Our success begins and ends with our people. We embrace all perspectives and value unique human experiences. Respect for all is our North Star. Toyota is proud to have 10+ different Business Partnering Groups across 100 different North American chapter locations that support team members&rsquo; efforts to dream, do and grow without questioning that they belong.
Applicants for our positions are considered without regard to race, ethnicity, national origin, sex, sexual orientation, gender identity or expression, age, disability, religion, military or veteran status, or any other characteristics protected by law.
Have a question, need assistance with your application or do you require any special accommodations? Please send an email to talent.acquisition@toyota.com.</div>

Dealer Lending Portfolio Analyst

Community Bankshares

<div>About Phoenix Lender Services 
Phoenix Lender Services: Empowering Growth, Simplifying Servicing, and Delivering Value. 
At Phoenix Lender Services, we are dedicated to helping lenders unlock their full potential. Our specialized team, experts in USDA and SBA government-guaranteed lending, navigates the complex application process from start to finish, eliminating the need for lenders to invest in additional overhead. By streamlining this intricate process, we allow both traditional and non-traditional lenders to concentrate on their core objectives without building dedicated departments for loan requests.
Together, we pave the way for success, fostering innovation and efficiency in the lending industry. 
Based in Georgia and serving clients nationwide, Phoenix Lender Services offers a comprehensive suite of solutions, including access to capital, loan underwriting, loan servicing, portfolio management, compliance reviews, and risk analysis. Our seasoned professionals combine extensive industry expertise with cutting-edge technology to provide tailored strategies that align with each client&rsquo;s unique goals. 
Phoenix Lender Services: Your partner in fueling growth, revolutionizing lending, and creating sustainable value. 
Position Summary: 
The AVP &ndash; Senior Portfolio Analyst is primarily responsible for providing assistance and support for closed SBA 7a, SBA SLA, SBA Express, SBA 504 and SBA PPP loans. This position is also responsible for managing all aspects of the SBA portfolio including working closely with clients to optimize opportunities, ensure compliance with SBA and government policies, and monitor risk. The AVP Senior Portfolio Analyst will assist the SVP - Special Assets in handling problem SBA loans. 
Job Duties/Responsibilities: 
<ul><li>
Maintain existing SBA portfolio by monitoring tickler items, required financials, etc. to ensure compliance with government policies.</li><li>
Process servicing actions in accordance with the SBA Servicing and Liquidation procedures.</li><li>
Respond to all client inquiries and requests regarding releases, subordinations, and substitutions of collateral, and loan payoff demand requests.</li><li>
Maintain up to date knowledge of bank policies, with advanced knowledge of SBA loan policies and procedures, as well as some knowledge of underwriting, processing and servicing of SBA loans.</li><li>
Complete Post Closed SBA file reviews on new SBA loans.</li><li>
Acquire, execute and/or complete any necessary documentation required for a clean file to ensure readiness for internal and external audits.</li><li>
Perform annual reviews in accordance with SBA and internal credit guidelines.</li><li>
Review and monitor documents for collection efforts as needed for insurance and real estate taxes and payoff and collateral releases.</li><li>
Assist in managing past due and maturing loans by monitoring portfolio for delinquencies.</li><li>
Prepare deferment requests to be approved by their manager. Document them in the borrowers&rsquo; loan folder.</li><li>
Understand and adhere to the organization&rsquo;s SBA Loan Policy and the SBA SOP compliance rules and regulations.</li><li>
Ensure deficiencies are accurately resolved and documentation is received within established deadlines and escalate all unresolved issues to management, where appropriate.</li><li>
Work closely with the Portfolio Manager in providing reporting to the organization&rsquo;s Senior Management as needed.</li><li>
Complete all assigned mandatory and regulatory training within required time frames.</li><li>
Assists SVP &ndash; Special assists with problem SBA loans.</li><li>
Maintain a work area which ensures the safety and confidentiality of all customer records and transactions.</li><li>
Understand and comply with Bank Secrecy Act and Anti-Money Laundering Policies and Procedures.</li><li>
Confidently embody Community Bank &amp; Trust &ndash; West Georgia&rsquo;s Mission, Vision and Values.</li><li>
Represent Community Bank &amp; Trust &ndash; West Georgia in the community and at community events.</li><li>
Perform all other duties as assigned.</li></ul> 
Required Skills/Abilities:<ul><li>
Working knowledge of PCFS &ndash; Loan Manager.</li><li>
Strong organizational skills, high level of accuracy and attention to detail.</li><li>
Excellent time management and multi-tasking skills and ability to set goals, meet deadlines, prioritize work and handle interruptions while maintaining focus on results and quality.</li><li>
Excellent written and oral communication skills, including the ability to read and interpret written information, recall written and oral instructions provided by others, edit documents for accuracy, grammar and spelling, write clearly and informatively and communicate information with clarity, tact and diplomacy.</li><li>
Ability to establish and maintain effective working relationships with co-workers, customers and vendors. Ability to work effectively both independently and as part of the team.</li><li>
Proficiency in using Microsoft Office Suite and banking/loan software programs and platforms.</li></ul> 
 Education and Experience:<ul><li>
An undergraduate degree in business, accounting, or finance, or a related field or an equivalent combination of training and experience.</li><li>
Minimum of 3 years of experience in commercial/SBA lending.</li><li>
Minimum of 2 years SBA Loan Servicing Assistance.</li></ul> 
Physical Demands and Work Environment:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodation may be made to enable individuals with disabilities to perform the functions.
While performing the duties of this position, the employee is regularly required to communicate. The noise level in the work environment is usually moderate. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The employee frequently is required to use hands or finger, handle, or feel objects, tools, or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Onsite work environments are climate controlled.
_______________________________________________________________
Note:
We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law.
This job description is not designed to cover or contain a comprehensive list of activities, duties, or responsibilities that are required of the employee. They may change, or new ones may be assigned at any time with or without notice. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. To perform this job successfully, the incumbents will possess the skills, aptitudes, and abilities to perform each duty proficiently. Some requirements may exclude individuals who pose a direct threat or significant risk to the health or safety of themselves or others. The requirements listed in this document are the minimum levels of knowledge, skills, or abilities. This document does not create an employment contract, implied or otherwise, other than an &ldquo;at-will&rdquo; relationship.</div>

AVP - Senior Portfolio Analyst

Home Mortgage Alliance Company (HMAC)

Overview Home Mortgage Alliance Corporation is seeking a highly analytical and detail-oriented Pricing Analyst to join our Secondary Marketing team. This individual will play a critical role in managing and ensuring accuracy and consistency across all pricing engines, rate sheets, and investor guidelines.Why Join us?<ul><li>Be part of a growing platform where pricing matters and execution counts.</li><li>Work in a collaborative environment with a focus on professional growth.</li><li>Opportunity to make a measurable impact on business performance.</li></ul>Responsibilities<ul><li>Monitor and maintain accuracy of all pricing engines and systems.</li><li>Analyze loan-level pricing adjustments (LLPAs) and ensure alignment with investor guidelines.</li><li>Support the Secondary Marketing team in pricing strategies for conventional, Non-QM, and wholesale products.</li><li>Generate and distribute pricing reports, providing actionable insights to lending teams.</li><li>Identify opportunities to improve pricing accuracy, efficiency, and execution.</li><li>Create and prepare reports.</li><li>Other duties as assigned.</li></ul>Qualifications<ul><li>Strong understanding of mortgage pricing, rate sheets, and loan-level adjustments (LLPAs).</li><li>Experience with Non-QM, wholesale, or secondary market operations is a plus.</li><li>Excellent analytical and problem-solving skills.</li><li>Advanced Excel skills, including formulas, pivot tables and data analysis.</li><li>Detail-oriented with the ability to manage multiple priorities in a fast-paced environment.</li><li>Strong communication skills and ability to work collaboratively across teams.</li><li>High School graduate or equivalent.</li></ul>Join our dynamic team where your expertise will contribute significantly to our success in delivering exceptional service.Compensation is based upon experience. Job Type: Full-timePay: $80,000.00 - $120,000.00 per yearBenefits:<ul><li>401(k)</li><li>Dental insurance</li><li>Health insurance</li><li>Paid time off</li><li>Vision insurance</li></ul>Experience:<ul><li>Mortgage Lending Pricing : 2 years (Required)</li></ul>Ability to Commute:<ul><li>Santa Ana, CA 92707 (Required)</li></ul>Work Location: In person

Mortgage Lending Pricing Analyst – Santa Ana, CA

World Business Lenders, LLC

<div>About World Business Lenders (www.wbl.com)
At World Business Lenders (WBL), we are dedicated to providing general-purpose, short-term commercial loans backed by real estate collateral for a diverse range of small and medium-sized businesses across the United States that may not have access to traditional funding options. We take pride in managing our loan portfolio as well as offering services for third-party loans, with a special emphasis on non-performing loan pools and REO management.<ul><li>
WBL is a U.S.-based company that embraces a 100% remote work environment for candidates located in Turkey, Latin America, and India.
</li><li>Our working hours are 9:00am-6:00pm Eastern Time, from Monday to Friday.</li><li>
The role requires an excellent command of both oral and written English. 
 
</li></ul>Please submit your resume in English. 
Requirements 
<ul><li>
Education:</li><li><ul><li>
A Bachelor&rsquo;s degree in Accounting, Finance, or a similar field is required. 
</li></ul></li><li>
Experience:</li><li><ul><li>
We're looking for candidates with 1 to 5 years of experience in internal auditing, loan operations, risk management, or compliance in the financial services sector.</li></ul></li></ul><ul><li>
Industry Background:</li><li><ul><li>
Previous experience in banking, financial services, or lending institutions is essential.</li><li>
Proficient in commercial lending, mortgage lending, or consumer loan operations.</li><li>
In-depth understanding of the complete loan lifecycle, encompassing loan origination, underwriting support, documentation review, funding, servicing, and collections.</li><li>
Knowledgeable about loan documentation requirements, credit files, and the essential operational controls within lending processes.</li><li>
Adept at pinpointing operational risks, addressing process inefficiencies, and identifying control weaknesses within loan operations.</li><li>
Experience with internal audits, quality assurance, or compliance reviews specifically related to lending operations.</li></ul></li></ul>
Key Responsibilities:<ul><li><ul><li>
Execute internal audits and conduct thorough operational reviews throughout the loan lifecycle, encompassing origination, underwriting, servicing, and collections.</li><li>
Spot and address process inefficiencies, operational risks, and control gaps within loan operations.</li><li>
Guarantee compliance with internal policies, procedures, and risk management standards.</li><li>
Contribute to the enhancement and fortification of internal controls within WBL&rsquo;s lending operations.</li><li>
Deliver insightful audit findings along with actionable recommendations to elevate operational procedures and strengthen risk controls.</li><li>
Collaborate with management to oversee remediation efforts, ensuring prompt resolution of audit findings.</li></ul></li></ul><ul><li>
Technical Skills Required:</li><li><ul><li>
Proficiency in Microsoft Office Suite</li></ul></li></ul><ul><li>
Essential Soft Skills:</li><li><ul><li>
Exceptional command of Microsoft Office applications, especially Excel, for efficient data analysis, tracking, and reporting.</li><li>
Expertise in reviewing documentation to pinpoint discrepancies or missing elements.</li><li>
Robust analytical and problem-solving abilities to evaluate processes and unearth potential risks.</li><li>
Skilled in organizing and juggling multiple tasks while maintaining a keen eye for detail.</li><li>
Excellent verbal and written communication skills for documenting insights and engaging with internal stakeholders.</li><li>
Ability to interpret and apply policies, procedures, and operational guidelines during review processes.</li><li>
Comfortable navigating internal systems and operational workflows within a structured environment.</li></ul></li></ul> 

Benefits 
<ul><li>
Compensation in USD</li><li>
Enjoy Paid Time Off (PTO) after just 6 months of service</li><li>
This is a full-time opportunity</li><li>
Enjoy the freedom of a completely remote work environment!</li></ul></div>

Remote - Loan Operations Internal Audit Analyst

MERCHANTS & MARINE BANK

<div>&quot;Candidates must be authorized to work in the U.S. without the need for current or future company sponsorship.&quot;
Overview:
Community of Resources (COR) is a division of Merchants and Marine Bank, proudly serving the communities along the Gulf Coast since 1899. At COR, we are the heartbeat of our family of brands. We provide operational, information technology, and risk mitigation services to our brands within the Merchants &amp; Marine Bancorp ecosystem, a well-established holding company with a staff of approximately 300 employees. We are committed to providing exceptional banking services for our customers and fostering a positive work environment for our employees.
Why Work for Us:<ul><li>
Medical, Vision and Dental Insurance</li><li>
401-K Plan</li><li>
11 Paid Holidays</li><li>
Personal Paid Time Off</li><li>
Term Life, AD&amp;D and Disability Insurance</li><li>
Student Loan and Tuition Assistance</li><li>
Fitness Center Reimbursement</li></ul>
Job Purpose
Responsible for providing financial/credit analysis for commercial and some consumer loans, perform research on industry trends, spread financial statements, underwrite loan requests, and prepare internal reports. Work is generally independent with occasional guidance on more complex tasks within the job function.
Essential Functions and Responsibilities<ul><li>
Analyzes sources of financial information, such as financial statements, credit bureau reports and cash flows to determine potential risk and profitability of loan.</li><li>
Works directly with Loan Officers to obtain all necessary information needed to underwrite loan requests and ensure continued financial capacity and adherence to loan policy and covenants.</li><li>
Prepares spreadsheets, interprets financial information, and develops cash flows of prospective and existing borrowers; reports findings and makes recommendations to improve credit quality and minimize risk of potential losses.</li><li>
Gains exposure to some of the more complex tasks within the job function while working more independently on less complex tasks.</li><li>
Assists in preparing and maintaining the watch list and non-accrual reports for the Bank.</li><li>
Assists in analyzing existing and perspective vendors of the Bank, on an annual basis and on request.</li><li>
Helps maintain credit shared files to ensure the adequacy of loan approval documents and supporting information.</li><li>
Completes all required training and maintains effective knowledge of procedures to ensure compliance with laws and regulations governing financial institutions, as they apply to your position and job responsibilities.</li><li>
Contributes to efficiencies by offering innovative solutions to problem areas or issues within the credit function.</li><li>
Performs other duties and responsibilities as assigned to support the banks strategic objectives.</li></ul>
Qualifications<ul><li>
Associate degree with coursework in accounting required. Bachelors degree preferred.</li><li>
Minimum 2-4 years related experience in credit underwriting and analysis.</li><li>
Must be able to demonstrate strong oral, written and interpersonal communication skills, interpret documents, understand procedures, write reports and correspondence, and communicate effectively to customers and employees.</li><li>
Must have working knowledge of banking and compliance laws, regulations, financial analysis, and credit practices in consumer and commercial lending.</li><li>
Must possess strong leadership, teamwork, problem solving, and analytical skills.</li><li>
Must have strong knowledge of standard computer applications including MS Word, Excel, and Outlook.</li><li>
Must be able to understand and interpret financial data (Balance Sheets, Income Statements, Cash Flow Statements, Financial Ratios, etc.) and apply those skills as they pertain to the loan underwriting process.</li><li>
Must be detail-oriented in order to generate accurate reports.</li><li>
Must have exceptional time management skills and be able to organize, prioritize and perform multiple tasks simultaneously.</li><li>
Must be able to adjust quickly to different work situations; remain composed under pressure and stressful situations.</li><li>
Must be able to work independently with occasional guidance on more complex aspects of the work.</li><li>
Must be able to stay current on all changes within the banking industry as they pertain to the credit function.</li><li>
Must maintain an effective knowledge of bank operations, credit and lending policies and procedures, and accounting and finance.</li><li>
Cross-sell other services of the bank.</li><li>
Uphold the M&amp;M Bank Code of Ethics and ensure that confidential information is safeguarded. Support and uphold the M&amp;M Bank Mission Statement.</li><li>
Adhere to all Company Policies &amp; Procedures.</li><li>
Maintain a high level of cooperation and rapport with all associates to ensure accurate and efficient operations and service.</li><li>
Formulate and communicate new ideas and suggestions that will improve profitability and efficiency for the bank's overall operation.</li></ul>
For more information, contact Careers@MandMbank.com</div>

Credit Analyst

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