Sunwest Bank
Overview
Analyst role at Sunwest Bank. Summary: With direction and supervision from the Chief Banking Officer, provides direct support to commercial Relationship Managers to develop and analyze all relevant credit information pertaining to more complex commercial real estate and business loans. Prepares thorough analysis of business and/or personal financial statements and presents facts, and is expected to provide personal analytical opinions, as appropriate, concerning creditworthiness of existing borrowers and prospects. Essential Duties And Responsibilities
Interacts directly with the President, Chief Banking Officer, Relationship Managers, Credit Administration officers, and customers/prospects regarding commercial real estate and business loans. Maintains an assigned/delegate loan portfolio as the secondary Relationship Manager. Prepares accurate financial statement spreadsheets and debt service analysis derived from business and personal financial statements and tax returns. Prepares accurate credit authorizations in conjunction with Relationship Managers and presents a complete and thorough analysis of existing and potential borrowers. Recognizes and acts on customer requests; develops cross-sell opportunities with existing customers. Makes proper referral of loan opportunities to lending personnel. Without direction, interacts independently with customers/prospects to request financial information to complete spreading presentations and other financial analyses. Reviews loan agreement covenants for verification of the borrower’s compliance thereto. Accurately prepares financial projections as required. Maintains an accurate, up-to-date tracking log of all activity and credit arrangements in process. Collects industry information relevant to existing and proposed borrowers using internal and external sources. Consults with the President, the Chief Banking Officer, Relationship Managers and other Credit Administration officers on credit structure, pricing, collateral and other credit consideration issues. Conducts trade and reference checks on customers/prospects. Reviews documentation to ensure compliance with Bank policies and procedures. Performs special projects as designated by the President, Chief Banking Officer, Relationship Managers or Credit Administration officers. Accountable to understand and ensure regulatory and policy compliance with state and federal requirements including Bank Secrecy Act, Anti-Money Laundering Act, Community Reinvestment Act, OFAC Regulations and Fair Lending and all applicable bank and government regulations. Attends training and maintains a basic knowledge of procedures to ensure compliance with laws and regulations governing financial institutions, with emphasis on BSA/AML/CIP, Consumer Privacy, Regulation CC, Information Security, Bank Protection Act, FACT-Identity Theft, Information Technology and GLBA. Telemarketing and external business development of new clients to the bank. Performs other departmental duties as assigned. Minimum Qualifications
Bachelor’s degree. Strong, intermediate knowledge of accounting principles, tax return analysis and analytical interpretation of balance sheet and income statement analysis and cash flow. Strong working knowledge of Microsoft Word and Excel. Intermediate working knowledge of loan documentation. Must be able to handle a strong volume of workflow from various sources. Competencies
Adaptability Communication Decision Making Initiative Innovation Motivator Organization Professionalism Results Orientated Physical Demands
Standing, walking and squatting less than fifty percent of the work shift. Required to lift, move and carry up to 40 pounds. Ability to read, count and write to accurately complete all documentation and reports. Must be able to see, hear and speak in order to communicate with employees and other customers. Specific vision abilities include close vision, distance vision, peripheral vision, depth perception and ability to adjust focus. Manual dexterity required using hands to finger; handle, feel and type; reach with hands and arms. Work Environment
The work space is clean, orderly, properly lighted and ventilated with proper safety compliance. Noise levels are considered moderate. Equal Opportunity
Sunwest Bank Is an Equal Opportunity Employer. Sunwest Bank works with staff members and customers without regard to race, ancestry, national origin, sex, marital status, age, religion, medical condition, handicap, disability or veteran status and to assist the Bank in maintaining its Affirmative Action Program. Compliance with Bank Secrecy Act laws and regulations is considered an extremely serious matter, and it is intended that Sunwest Bank, through the purposeful efforts of its employees and officers, are expected to conform to its Bank Secrecy Act Program and Procedures. Failure to comply will be reflected in their performance review as well as in any bonus compensation programs in which they may participate. Note: The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. All job descriptions can be amended without notice as warranted by business necessity.
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Analyst role at Sunwest Bank. Summary: With direction and supervision from the Chief Banking Officer, provides direct support to commercial Relationship Managers to develop and analyze all relevant credit information pertaining to more complex commercial real estate and business loans. Prepares thorough analysis of business and/or personal financial statements and presents facts, and is expected to provide personal analytical opinions, as appropriate, concerning creditworthiness of existing borrowers and prospects. Essential Duties And Responsibilities
Interacts directly with the President, Chief Banking Officer, Relationship Managers, Credit Administration officers, and customers/prospects regarding commercial real estate and business loans. Maintains an assigned/delegate loan portfolio as the secondary Relationship Manager. Prepares accurate financial statement spreadsheets and debt service analysis derived from business and personal financial statements and tax returns. Prepares accurate credit authorizations in conjunction with Relationship Managers and presents a complete and thorough analysis of existing and potential borrowers. Recognizes and acts on customer requests; develops cross-sell opportunities with existing customers. Makes proper referral of loan opportunities to lending personnel. Without direction, interacts independently with customers/prospects to request financial information to complete spreading presentations and other financial analyses. Reviews loan agreement covenants for verification of the borrower’s compliance thereto. Accurately prepares financial projections as required. Maintains an accurate, up-to-date tracking log of all activity and credit arrangements in process. Collects industry information relevant to existing and proposed borrowers using internal and external sources. Consults with the President, the Chief Banking Officer, Relationship Managers and other Credit Administration officers on credit structure, pricing, collateral and other credit consideration issues. Conducts trade and reference checks on customers/prospects. Reviews documentation to ensure compliance with Bank policies and procedures. Performs special projects as designated by the President, Chief Banking Officer, Relationship Managers or Credit Administration officers. Accountable to understand and ensure regulatory and policy compliance with state and federal requirements including Bank Secrecy Act, Anti-Money Laundering Act, Community Reinvestment Act, OFAC Regulations and Fair Lending and all applicable bank and government regulations. Attends training and maintains a basic knowledge of procedures to ensure compliance with laws and regulations governing financial institutions, with emphasis on BSA/AML/CIP, Consumer Privacy, Regulation CC, Information Security, Bank Protection Act, FACT-Identity Theft, Information Technology and GLBA. Telemarketing and external business development of new clients to the bank. Performs other departmental duties as assigned. Minimum Qualifications
Bachelor’s degree. Strong, intermediate knowledge of accounting principles, tax return analysis and analytical interpretation of balance sheet and income statement analysis and cash flow. Strong working knowledge of Microsoft Word and Excel. Intermediate working knowledge of loan documentation. Must be able to handle a strong volume of workflow from various sources. Competencies
Adaptability Communication Decision Making Initiative Innovation Motivator Organization Professionalism Results Orientated Physical Demands
Standing, walking and squatting less than fifty percent of the work shift. Required to lift, move and carry up to 40 pounds. Ability to read, count and write to accurately complete all documentation and reports. Must be able to see, hear and speak in order to communicate with employees and other customers. Specific vision abilities include close vision, distance vision, peripheral vision, depth perception and ability to adjust focus. Manual dexterity required using hands to finger; handle, feel and type; reach with hands and arms. Work Environment
The work space is clean, orderly, properly lighted and ventilated with proper safety compliance. Noise levels are considered moderate. Equal Opportunity
Sunwest Bank Is an Equal Opportunity Employer. Sunwest Bank works with staff members and customers without regard to race, ancestry, national origin, sex, marital status, age, religion, medical condition, handicap, disability or veteran status and to assist the Bank in maintaining its Affirmative Action Program. Compliance with Bank Secrecy Act laws and regulations is considered an extremely serious matter, and it is intended that Sunwest Bank, through the purposeful efforts of its employees and officers, are expected to conform to its Bank Secrecy Act Program and Procedures. Failure to comply will be reflected in their performance review as well as in any bonus compensation programs in which they may participate. Note: The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. All job descriptions can be amended without notice as warranted by business necessity.
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