Job Description
SUMMARY With direction and supervision from department head, provides direct support to Relationship Manager(s) to develop and analyze all relevant credit information pertaining to a wide range of loans. Prepares, or assists in the preparation of Credit Authorizations in accordance with the Bank’s policies and procedures for presentation to senior credit personnel and/or credit committees. Prepares detailed collateral analysis and coordinates appraisal and third party analysis. Spreads and analyzes financial statement information to determine financial capacity of borrowers. 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 relationship managers, loan officers and customers/prospects regarding a wide range of loans. • Maintains an assigned/delegate loan portfolio as the primary relationship officer. • Must prepare accurate financial statement spreadsheets and debt service analysis derived from business and personal accurate Credit Authorizations in conjunction with loan officers, and presents a complete and thorough analysis financial statements and tax returns. • Prepares of existing and potential borrowers. • Recognize and act on customer prospects; cross sell opportunities with existing customers. • Make proper referral of loan opportunities to lending personnel. • Interacts independently and without direction with customers/prospects to request financial information to complete spreading presentations and other financial analysis. • 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 & external sources. • Consults with relationship manager(s), loan officer(s), the Chief Lending Officer, and other Credit Administration officers on credit structure, pricing, collateral and other credit consideration issues. • Works with clients in regards to past due payments/loan maturities. • Conducts trade and reference checks on customers/prospects. • Reviews documentation to ensure compliance with Bank policy and procedures. ADDITIONAL RESPONSIBILITIES • Demonstrates high degree of professionalism in communication, attitude and teamwork with customers, peers and management • Demonstrates high level of quality work, attendance and appearance • Adheres to all Company Policies & Procedures and Safety Regulations • Adheres to local, state and federal laws • Understands and complies with all company rules and regulations • Attends training and maintains a basic knowledge of procedures to ensure compliance with laws and regulations governing financial institutions, as they apply to your position and job responsibilities, with an emphasis on the BSA/AML/CIP, Consumer Privacy, Regulation CC, Information Security, Bank Protection Act, FACT-Identity Theft, Information Technology and GLBA. • Additional duties as assigned as it relates to the position SUPERVISORY RESPONSIBILITIES This position does not have supervisory responsibilities MINIMUM QUALIFICATIONS • A Bachelor’s degree from a four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience. • Strong, intermediate knowledge of accounting principles, tax return analysis and analytical interpretation of balance sheet and income statement analysis and cash flow. • Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. • Ability to define problems, collect data, establish facts and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables. • Strong working knowledge of Microsoft Word and Excel and other financial analysis software programs. • Intermediate working knowledge of loan documentation. • Must be able to handle a strong volume of work flow from various sources. • Ability to maintain confidentiality of all bank and client information. COMPETENCIES: • Adaptability • Communication • Decision Making • Initiative • Innovation • Motivator • Organization • Professionalism • Results Orientated PHYSICAL DEMANDS: In general, the following physical demands are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to allow differently-abled individuals to perform the essential functions of the job. • 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: In general, the following conditions of the work environment are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to allow differently-abled individuals to perform the essential functions of the job within the environment. • The work space is clean, orderly, properly lighted and ventilated with the proper safety compliance • Noise levels are considered moderate |
Numbers & Facts
| Location | Sarasota, Florida |
| Industry | Banking |
| Company Size | 50 to 99 employees |
| Year Founded | 1970 |
| Website | https://www.sunwestbank.com/ |
About Company
Sunwest Bank has been consistently named one of the top performing banks in the United States by American Banker and SNL Financial. Sunwest’s primary focus is commercial business and real estate banking. Through 12 targeted locations across the Western United States, Sunwest offers a full suite of private and commercial banking services to its clients.
Since 2009, Sunwest has completed five failed bank acquisitions beginning with the acquisitions of MetroPacific Bank of Irvine. Later that year, Sunwest expanded the franchise south to San Diego with the acquisition of Pacific Coast National Bank. Its expansion continued beyond the California border with the acquisition of First State Bank of Flagstaff from the FDIC, adding a presence in Northern Arizona. In 2013, the Bank expanded into the Northwest by acquiring the Washington-based Westside Community Bank which added two locations outside of Tacoma. Sunwest then broadened its Northwest presence to Boise through acquiring the failed Syringa Bank from the FDIC, adding nearly $140 million in assets and a network of five Idaho branches. In the latter half of last year, the Bank broadened its footprint further by adding LPOs in both the Salt Lake City and Phoenix, Arizona markets. These three out-of-state acquisitions and two de novo LPOs have positioned Sunwest well as it embarks on its next expansionary phase.
Sunwest Bank operates with an iron clad balance sheet of $885 million in assets, $111 million in tangible capital and $4MM in reserves, making it well poised to continue its growth.
Sunwest Bank is the flagship of H Bancorp, a $1.3 billion privately-owned bank holding company with a controlling interest in Bay Bank located in the Baltimore/D.C. corridor. H Bancorp provides strategic leadership, access to capital and an opportunity to participate credits across the entire H Bancorp family.
SUNWEST BANK – AN ENTREPRENEURIAL BUSINESS BANK
Sunwest prides itself on being an entrepreneurial and innovative commercial business bank. The Bank positions itself through deep knowledge in lending niches ensuring our people are regarded as trusted advisors and not simply bankers. It is with this approach that we provide impeccable service to our clients.
Skills
- Administrative Managementunmatched
- Analysis Skillsunmatched
- Analysis Softwareunmatched
- Balance Sheetunmatched
- Business Analysisunmatched
- Business Writingunmatched
- Cash Flow Projectionunmatched
- Consultingunmatched
- Consumer Regulationsunmatched
- Credit Analysisunmatched
- Credit Processingunmatched
- Credit Riskunmatched
- Credit and Collectionsunmatched
- Cross-Sellingunmatched
- Data Collectionunmatched
- Depth Perceptionunmatched
- Documentation Reviewunmatched
- Educational Technologyunmatched
- Federal Laws and Regulationsunmatched
- Finance Softwareunmatched
- Financial Analysisunmatched
- Financial Projectionsunmatched
- Financial Regulationsunmatched
- Financial Statementsunmatched
- Government Regulationsunmatched
- Income Statementsunmatched
- Information Technology & Information Systemsunmatched
- Information/Data Security (InfoSec)unmatched
- Investment Managementunmatched
- Lift/Move 40 Poundsunmatched
- Loan Documentsunmatched
- Loan Portfoliounmatched
- Loan Reviewunmatched
- Loansunmatched
- Maintain Complianceunmatched
- Manual Dexterityunmatched
- Marketing/Sales Collateralunmatched
- Mathematicsunmatched
- Microsoft Excelunmatched
- Microsoft Wordunmatched
- Past Due Accountsunmatched
- Physical Demandsunmatched
- Presentation/Verbal Skillsunmatched
- Pricingunmatched
- Privacy Regulationsunmatched
- Reference Verificationunmatched
- Regulationsunmatched
- Regulatory Complianceunmatched
- Relationship Managementunmatched
- Reporting Skillsunmatched
- Safety Complianceunmatched
- Safety Processunmatched
- Spreadsheetsunmatched
- State Laws and Regulationsunmatched
- Tax Accountingunmatched
- Tax Returnsunmatched
- Team Playerunmatched
- Writing Skillsunmatched
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