Firstrust Bank

  • Senior Credit Analyst - SBA

    Location US-PA-Conshohocken
    Job ID
    2018-1773
    # Positions
    1
    Pay Status
    Salaried / Exempt
  • Objective

    Firstrust Bank is seeking an experienced Credit Analyst to become an integral part of our SBA Department.  As part of the credit approval and the portfolio renewal process for the SBA Finance Group, the analyst will take a primary role in performing the underwriting due diligence and in preparing the credit memorandum that will be presented for approval to the appropriate authority.

     

    Firstrust Bank is an Affirmative Action Contractor and is an Equal Opportunity Employer.

    Minority/Female/Disabled/Veteran

     

    Responsibilities/Duties

    • Analyze corporate and personal financial statements and tax returns and other financial information provided by customers in connection with any new loan requests assigned in addition to those submitted for the completion of renewals, and reviews for current credit relationships.
    • Assume primary role for ordering all credit histories and relevant searches on new and existing customers.
    • Upon request of the RM or PM the analyst will prepare financial projections (to include sensitivity analysis) when requested.
    • Working in conjunction with the RM and PM the credit analyst will prepare complete underwriting memorandums for submission to the appropriate approving authority.
    • Upon direction of the RM or PM, Interact with customers and their accountants in the credit analysis process when appropriate.
    • Performs other duties as assigned by the Portfolio Manager and/or SBA Manager.
    • Assists in the development of new business for Firstrust. Is alert to expressed customer/ prospect needs and possesses knowledge of corporate products and services, to suggest appropriate services.


    Essential Functions

    While performing the essential functions of this position, the employee is required to perform activities such as preparing and analyzing data and figures via a computer terminal.   The incumbent will be expected to retrieve files, compose memorandums and communicate with internal and external customers.   The incumbent is occasionally required to drive a motor vehicle to accompany RMs to various types of customer meetings and property inspections.

    Knowledge - Skills & Abilities

    • College degree in accounting, finance, or related field; OR comparable experience in a commercial banking position, OR at least 5 years experience as a Credit Analyst, either in Banking or a related field;
    • Familiarity with credit concepts and practices;
    • Demonstrated ability to apply judgment, take initiative, handle multiple priorities, and work under general supervision;
    • Strong work habits, attention to detail, and teamwork;
    • Intermediate proficiency with the Microsoft Office (Word, Excel, Outlook).

     

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