CREDIT ANALYST - WATERFORD

About this role

• **JOB SUMMARY** The Corporate Banking Credit Analyst I primarily focuses on credit analysis, portfolio management, underwriting and ongoing review of the following types of loans: Corporate, Middle Market and Project Finance.
• Ability to be a team player, as well as communicate and collaborate with Lending Officers, Credit Officers, Relationship Managers, Senior Team Members and other Committee Members.
• Strive to achieve an outstanding level of customer service in accordance to Bank's standards and competencies.
• **Accountable for adhering to the Bank's BSA, AML, and Office of Foreign Asset Control (OFAC) applicable policies.
• Employee must follow specific unit procedures developed in compliance with the Bank's processes and comply with any mandatory BSA, AML, and OFAC training assigned.** **ESSENTIAL FUNCTIONS** * Responsible for the timely and satisfactory completion of annual reviews, covenant compliance reports, leveraged loan monitoring reports, certain waivers/amendments and others as required.
• * .
• Assist in preparing green light and Credit Approval Memorandums (CAM'S) for presentation to applicable approval authority committee.
• CAMs will be for existing loans and new potential loans.
• * Maintain up to date credit files and loan underwriting and portfolio management system, ensuring that files and reports comply with credit policies and regulatory requirements * .
• Coordinate across teams including credit risk, loan review, servicing, closing, and others, to ensure satisfactory internal reporting, compliance and streamlined processes * Analyze loans by evaluating and reviewing loan information, including but not limited to financial statements, financial models, lender presentations/decks, public filings, data rooms, diligence reports, appraisal reports, and other related loan information and supporting documentation.
• * Assist in pro-actively anticipating questions/topics that credit committee members will likely focus on, sufficiently address those topics with the Senior Team Members.
• * Present reports, reviews, and loan files to the Corporate Banking Department and to Credit Department for discussion and conclusion.
• * The Credit Analyst must inform the corporate banking team and Credit team of any material risk factor, discrepancy or deviation discovered during the preparation and/or review of the CAM, its underwriting, credit analysis and due diligence.
• * Maintains continuous contact with Credit Analyst II's and RM's to provide information on transaction status, discrepancies and resolve problems, concerns/doubts * .Assist the Corporate Banking Department concerning loan policies and procedures, quality control matters, loan review, and underwriting.*Assist in the preparation of Corporate Banking presentations.
• * Assisting in periodic portfolio reviews to identify early warning signals, and to maintain proactive mitigation strategies * Participate in Corporate Banking pipeline meetings * Assist in the execution and maintenance of ancillary services including cash management and others.
• * Manage to meet internal and client deadlines **INTERACTION** * Single country - 1 Region **EDUCATION** Bachelor's degree in finance / business administration or related field - Preferred **EXPERIENCE** * 1 - 2 years experience * 0-2 years in banking environment and/or credit field * Strong knowledge of Microsoft Office Suite and proficient at typing * Understanding of financial information and loan documentation * Must be able to work a flexible working schedule * Good communication skills and attention to details Note: Please note this position profile is not designed to cover or include a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job.
• Duties, responsibilities and activities may change at any time with or without notice.
• **KNOWLEDGE, SKILLS AND ABILITIES - KSA FOR THIS JOB DESCRIPTION** **FUNCTIONAL COMPETENCIES** * Strong written and verbal communication for reports, presentations, in Spanish and English.
• * Prioritize tasks, manage deadlines, and coordinate resources effectively.
• * Handle sensitive financial and personnel information responsibly.
• * Ability to use Microsoft Office tools, banking software, data security protocols, and digital platforms.
• * Respond to changing regulations, market conditions, and organizational needs.
• * Understand and respond to internal and external client needs.
• * Knowledge of laws, regulatory compliance and other financial regulations.
• **LICENSES AND CERTIFICATIONS** **N/A** **CATEGORY CATEGORY CRITERIA FOR PROFESSIONALS/ INDIVIDUAL CONTRIBUTOR** * Customer Focus Anticipate and provide service excellence to both internal and external customers.
• * Building Strong relations Establish, sustain, and foster both internal and professional contacts to build, enhance and connect to FirstBank services.
• * Communication Deliver clear, effective communication and take responsibility for understanding others.
• * Business Acumen Understand how the organization works, including, current and future policies, practices, and trends.
• * Problem Analysis & Solution Identify problems and conduct appropriate analysis involving others to search for the best solution.
• * Ownership Take initiative and assume personal accountability for goals, outcomes, and deadlines.
• **Vision & Values** Understand the organization's vision and uphold the values in everyday work and actions.
• At higher levels take long-term view and share with others the vision and the organization path ahead.
• **Development (Personal & Others)** Demonstrate curiosity for learning and perform activities to make the most of their skills and boost potential in self and others.
• **Change & Innovation** Create a view of change as an opportunity and inspire others.
• Look for new ways to experiment with new ideas and approaches.
• **PHYSICAL DEMANDS** The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
• While performing the duties of this job, the employee is regularly required to sit, stand, walk and/or maneuver around the office.
• Ability to lift and/or move up to 10 pounds.
• **WORK ENVIRONMENT** Working Work is performed in a bank environment.
• Employees are exposed to external elements when representing the corporation at external events and may be required to work extended hours, including holidays, should these coincide with company event.
• Condition Work Environment **IMPACT OF ERRORS** * The degree of judgement is related to the compilation and/or presentation of simple information.
• * The degree of judgement is related to data processing and /or presentation of possible recommendations.
• * The degree of judgement is related to integration or coordination of varied elements and its applications to specific subjects.
• * The degree of judgement is related to identification and definition of new problems of moderate complexity.
• * The degree of judgement is related to continuous analysis of specialized and complex subjects.
• * The degree of judgement is related to creation, development and implantation of policies, strategies, and work methods of general application.
• * The degree of judgement is related to recommendation of action or decision on subjects of impact for essential functions of the Bank.
• **IMPACT OF ERRORS** The impact to the company of contributions, decisions, recommendations or actions taken by the individua, choose one.
• * The impact of errors of this position is limited to job activities.
• * The impact of errors of this position could affect Departmental activities.
• * The impact of errors of this position could affect other department's activities or external service.
• * The impact of errors of this position could affect essential activities of administrative, operational or business nature that have a considerable economic impact.
• * The impact of errors of this position could affect essential activities that are important for the Bank, either from other divisions or departments, or within.
• * The impact of errors of this position could affect strategic results or Bank image through the regulatory agencies, customers and the community.
• * The impact of errors of this position could affect stability and continuity of the vital Bank operations.
• **EQUAL EMPLOYMENT OPPORTUNITTY EMPLOYER**

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