Credit Analyst 2

 
Location: Fresno, California
Posted On: 10/7/2017
Job Code: 3175_Credit Analyst_
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Job Description
 
• Input credit applications for all Business Units within Equipment Finance Division into origination system with high accuracy.
• Review and clear pre-credit exceptions on applications in a timely manner by obtaining additional information sales or other sources .
• Scan/upload documents to the customer and applications files in the business processing system in a timely manner.
• Notify appropriate sales teams of uncleared pre-credit exceptions and/or missing information preventing applications from advancing through the credit process .
• Pull customer credit bureau reports when system requires it .
• Process vendor qualifications - including pulling credit bureau reports, completing vendor qualification forms, and setting up dealers in business processing system after approval .
• Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
• Generate financial ratios, using computer programs, to evaluate customers' financial status.
• Consult with customers to resolve complaints and verify financial and credit transactions.
• Prepare reports that include the degree of risk involved in extending credit or lending money.
• Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
• Review individual or commercial customer files to identify and select delinquent accounts for collection. Confer with credit association and other business representatives to exchange credit information. Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
• Analyze financial data such as income growth, quality of management, and market share to determine expected profitability of loans.
• Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.
Education/Experience:
• Bachelor's degree in accounting or related financial discipline required.
• An advanced degree in a financial discipline is preferred.
• 2-4 years financial and/or accounting experience required.
Additional information:
Experience reviewing and analyzing complex entity documents for commercial clients is a plus with a good understanding commercial or agricultural credit analysis experience, or
Loan documentation underwriting, or
commercial/agricultural borrower on boarding.
strong systems experience on multiple platforms
Category:IT  code:new
 
 
Job Requirements
 
 
Skills:
• Verbal and written communication skills, attention to detail, and critical thinking.
• Basic ability to work independently and manage ones time.
• Basic ability to analyze business trends and project future revenues and expenses.
• Basic knowledge of economic and accounting principles, the financial markets, and reporting of financial data.
• Basic knowledge of federal, state, and company policies, procedures and regulations as related to accounting.
• Previous experience with computer applications, such as Word, Excel and PowerPoint, and any other related financial software.
 

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Contact Details
 
Recruiter
Giridharan P
 
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