Principal Credit Examiner Job in Salt Lake City 84101, Utah US
The Credit Examiner is responsible for conducting field and desktop examinations of the corporation's commercial, small business, and commercial and residential real estate loans.
- Analyze repayment capacity through an assessment of the borrower and guarantor's financial condition, cash flow, and collateral
- Assess compliance with the Bank's underwriting policies and procedures
- Validate the risk grade at origination and over the life of the loan based on updated financial information and other relevant risk factors
- Review collateral documentation for accuracy and compliance with Bank and regulatory requirements
- Evaluate risk management against approval requirements, prudent loan administration practices, and regulatory requirements
- Document risk-focused conclusions in transaction line cards and management reports
- Make recommendations for corrective actions, as appropriate
- Follow-up to determine that management's action plan in response to the findings is implemented timely and is effective
- May lead or assist other examiners as assigned
- Other duties as assigned
- Bachelor's degree and 4+ years of credit analysis and/or experience as a business or commercial real estate lender. (A combination of education and experience may fit the requirements.)
- Able to apply a broad array of examination principles, theories and concepts and has extensive knowledge of other related fields
- Employs extensive knowledge of credit and accounting principles, financial analysis, and regulatory requirements
- Excellent written and verbal communication and public relation skills
- Working knowledge of computer software (Microsoft Office products)
- Some travel may be required
Attitional Attributes:
- Up and coming talent that is motivated to aggressively analyze a wide range of industries and loan products, including business and commercial real estate loans
- Interested in gaining a broad knowledge of how credit is underwritten across varied markets and loan products
- Able to focus attention on detailed financial data and quickly identify evolving repayment risk patterns
- Enjoys working in a team environment
- Willing to challenge the status quo
- Can succeed in an environment where your opinion is challenged
- Understands lending regulations for commercial banks
- Willing to stay in the role for at least 2 years
- Successful candidate will likely have some commercial lending experience. (2-10 years) Commercial business analysts may qualify depending on their college training and aptitude. Loan workout specialists may qualify if they have commercial loan experience and a strong aptitude.
June 15, 2009
• Tags: Principal Credit Examiner Job in Salt Lake City 84101, Utah Us • Posted in: General