TBK Bank, SSB
Join Triumph! At Triumph, our vision is a world where freight transactions are accurate and seamless on the most modern and secure freight transaction network. We’re looking for passionate, innovative, solutions-oriented people to join our team. We thrive on providing exceptional customer service and we look for team members with an entrepreneurial spirit and a passion to build successful partnerships with our clients. Because at the end of the day our goal is to help our partners businesses run better.
Overview
Position Summary:
The Credit Department of Triumph seeks a Commercial Credit Analyst II to primarily support TBK Bank, SSB. Responsibilities include: underwriting credit approval requests for both prospective and existing clients; working with lending units to ensure ability to accurately evaluate and act on credit applications in a timely manner; and performing ongoing monitoring on existing credits to assist TBK Bank and Payments in assessing credit quality. Responsibilities
Utilize bank resources and available training to continue to build upon core credit fundamentals and cultivate competencies in complex credit topics. Obtain and analyze financial, credit and collateral data to evaluate the creditworthiness of prospective and existing customers, particularly larger C&I and CRE opportunities. Review incoming financial statements on existing customers, updating financial spreads and communicating any concerns with the loan officer / relationship manager and credit leadership. Analyze financial information from borrowers and other sources, such as reporting services, credit bureaus, industry data and current credit files to assess credit risk of lending relationships. Work collaboratively with loan officers on loan requests to facilitate the approval or declination of credit applications. Ensure open communication and collaborative efforts between lending teams and the credit staff by clearly communicating progress and/or needs in a timely and precise manner. Support loan and credit facility production staff in preparation of written credit proposals and presentations to various credit committees or approvers. Ensure transactions conform to loan policy or ensure that all policy exceptions are disclosed in the credit proposal. Ensure existing credit relationships adhere to loan covenants and conditions and that required information is obtained in a timely manner. Support the development of the department by training and mentoring junior analysts to enhance their core competencies and credit fundamentals. Perform other duties as assigned. Experience & Education
Bachelor’s degree is required, with a major in Accounting, Finance or Economics preferred. Minimum of two (2) to four (4) years of experience in commercial credit underwriting. Strong financial statement analysis, writing, and communication skills. Skills & Abilities
Ability to understand and comprehensively underwrite commercial loans Ability to make sound decisions and provide structural guidance to the lending team based on company standards Ability to handle multiple tasks and meet competing deadlines Detail oriented with strong organizational skills Proficient in Microsoft Word and Excel Excellent communication skills, both verbal and written Ability to mentor and lead junior team members Ability to develop creditability with a wide range of audiences, including credit leadership, lending team, clients and peers Consistently exhibit company core values Work Environment
Moderate noise (i.e. business office with computers, phone, and printers, light traffic). Ability to work in a confined area. Ability to sit at a computer terminal for an extended period of time. Occasional stooping or kneeling may be necessary. While performing the duties of this job, the employee is regularly required to stand, sit, talk, hear and use hands and fingers to operate a computer keyboard and telephone. Specific vision abilities are required due to computer work. Light to moderate lifting is required. Regular, predictable attendance is required. Details
Seniority level: Mid-Senior level Employment type: Full-time Job function: Finance and Sales We offer
Medical, Dental, Vision, Paid Time Off, 401k and much more.
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Position Summary:
The Credit Department of Triumph seeks a Commercial Credit Analyst II to primarily support TBK Bank, SSB. Responsibilities include: underwriting credit approval requests for both prospective and existing clients; working with lending units to ensure ability to accurately evaluate and act on credit applications in a timely manner; and performing ongoing monitoring on existing credits to assist TBK Bank and Payments in assessing credit quality. Responsibilities
Utilize bank resources and available training to continue to build upon core credit fundamentals and cultivate competencies in complex credit topics. Obtain and analyze financial, credit and collateral data to evaluate the creditworthiness of prospective and existing customers, particularly larger C&I and CRE opportunities. Review incoming financial statements on existing customers, updating financial spreads and communicating any concerns with the loan officer / relationship manager and credit leadership. Analyze financial information from borrowers and other sources, such as reporting services, credit bureaus, industry data and current credit files to assess credit risk of lending relationships. Work collaboratively with loan officers on loan requests to facilitate the approval or declination of credit applications. Ensure open communication and collaborative efforts between lending teams and the credit staff by clearly communicating progress and/or needs in a timely and precise manner. Support loan and credit facility production staff in preparation of written credit proposals and presentations to various credit committees or approvers. Ensure transactions conform to loan policy or ensure that all policy exceptions are disclosed in the credit proposal. Ensure existing credit relationships adhere to loan covenants and conditions and that required information is obtained in a timely manner. Support the development of the department by training and mentoring junior analysts to enhance their core competencies and credit fundamentals. Perform other duties as assigned. Experience & Education
Bachelor’s degree is required, with a major in Accounting, Finance or Economics preferred. Minimum of two (2) to four (4) years of experience in commercial credit underwriting. Strong financial statement analysis, writing, and communication skills. Skills & Abilities
Ability to understand and comprehensively underwrite commercial loans Ability to make sound decisions and provide structural guidance to the lending team based on company standards Ability to handle multiple tasks and meet competing deadlines Detail oriented with strong organizational skills Proficient in Microsoft Word and Excel Excellent communication skills, both verbal and written Ability to mentor and lead junior team members Ability to develop creditability with a wide range of audiences, including credit leadership, lending team, clients and peers Consistently exhibit company core values Work Environment
Moderate noise (i.e. business office with computers, phone, and printers, light traffic). Ability to work in a confined area. Ability to sit at a computer terminal for an extended period of time. Occasional stooping or kneeling may be necessary. While performing the duties of this job, the employee is regularly required to stand, sit, talk, hear and use hands and fingers to operate a computer keyboard and telephone. Specific vision abilities are required due to computer work. Light to moderate lifting is required. Regular, predictable attendance is required. Details
Seniority level: Mid-Senior level Employment type: Full-time Job function: Finance and Sales We offer
Medical, Dental, Vision, Paid Time Off, 401k and much more.
#J-18808-Ljbffr