Credit Analyst and Loan Documentation Specialist

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Located in Longview, WA

Salary: $25-$28 DOE

Express Employment is seeking an experienced Credit Analyst and Loan Documentation Specialist.  Only applications with required experience will be reviewed.

 

Job Summary
The Credit Analyst and Loan Documentation Specialist plays a key dual role in evaluating credit worthiness and ensuring accurate loan documentation. This position is responsible for analyzing financial data, assessing risk and preparing loan documents in compliance with regulatory guidelines and bank policies. The ideal candidate will thrive if self-motivated, detail oriented, analytical and seeks excellence. This position is a key support for Commercial Lenders and the Credit Department.

 

Work Schedule: 8:00am-5:00pm

Wage: $25-$28 DOE

 

Credit Analysis
• Credit analysts acquire, compile, update and assess existing customer and applicant’s individual and business credit data, tax returns and financial statements to determine any and all potential risks and repayment capacity.
• The analysis requires making meaningful and knowledgeable recommendations as to the customer or prospect credit worthiness and course of action based on the historic, current and projected DSCR, cash flow and financial ratios.
• Assist in preparing reports and monitoring existing loan portfolios, identifying risks and ensuring timely renewals or modifications.
• Work closely with loan officers in the completion of credit presentation structuring credit facilities that align with the banks risk appetite, lending criteria, and customer needs.
• Prepare portfolio reports, construction draws and provide extensive telephone support to customers and staff.
• Assist in the preparation of CECL calculations and reporting.
• Evaluates and documents workflows, processes and procedures for completeness and efficiency improvements.

 

Loan Documentation
• Prepare, review and verify loan documentation for accuracy and completeness and compliance with banking regulations.
• Ensure all loan documents accurately reflect the approved terms and conditions.
• Order appraisal and environmental reports in compliance with FIRREA and bank policies.
• Work closely with lenders and title companies to perfect security facilitate smooth closings.
• Conduct post-closing audits, identifying and resolving documentation discrepancies.
• Maintain and organize loan files, ensuring all required documentation is properly recorded and stored in bank systems.
• Compile Loan Committee and Board loan reports

 

Qualifications
• Bank training in credit analysis and loan documentation
• 2+ years experience in bank and lending.
• Strong financial analysis skills or desire and aptitude to gain skills necessary to interpret complex financial data.
• Knowledge of banking regulations, loan policies and documentation requirements
• Proficiency in loan analysis software (Sageworks/Abrigo), loan documentation software (LaserPro), Microsoft Office Suite (advanced Excel is a plus)
• Knowledge of analyzing of construction loans and SBA SOP, a plus
• Excellent attention to detail, organizational and time-management skills.
• Strong interpersonal and communication skills with a customer service mindset.

 

Essential Functions and Job Qualifications
• Exercise discretion and independent judgement as to credit recommendations.
• Ability to prioritize workload with flexibility for special projects or changes to process.
• Minimum Education: HS diploma or Bank-trained documentation and credit analysis
• Minimum Experience: 2 years banking/lending experience
• Preferred Experience: 3-5 Years – Bachelors Degree in related field.
• Preferred Field-of-Expertise: Directly related experience in a business environment with knowledge of Sageworks/Abrigo financial analysis systems and LaserPro Documentation software..

 

Competencies
• Problem Solving - Identifies and resolves problems time efficiently; Gathers and analyzes information; Develops solutions; Uses reason.
• Oral Communication – Ability to interact and address complex financial information clearly and persuasively with management staff and customers.
• Listens and gets clarification when necessary; Responds informatively to questions.
• Written Communication - Writes clearly and concisely; Edits work; Presents numerical data effectively; Able to read and interpret written information.
• Cost Consciousness - Works within approved budget; Develops and implements cost saving measures; Conserves company resources.
• Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently; Plans for additional resources; Sets goals and objectives.
• Quality - Demonstrates accuracy and thoroughness; Applies feedback to improve performance; Monitors own work to ensure quality.
• Assure compliance with all bank regulations, policies and procedures.

 

Associate Benefits

While working for Express, our associates can also become eligible for a variety of benefits:

• Referral bonuses - $100 per employee referred after 80 hours worked.
• Medical plan
• Dental plan
• Vision/eyewear plan
• Prescription drug reimbursement
• Short-term disability
• Direct deposit
• Sick Pay
• Perks at Work – Save money with offers and discounts on everything from large or everyday purchases with popular merchants. 
• 401(k) retirement savings plan
• Life insurance

 

At Express, we will assess your skills; offer you interview and resume writing tips, and work with you to find a job that fits your needs and abilities. You will never pay a fee at Express and you will have the opportunity to earn benefits. We have more than 200 jobs available every month and we want to talk to you! To find out more, contact us today!

TO APPLY

1. Stop by our office at 1208 Washington Way Suite 130, Longview, WA 98632 (Monday-Friday 8am-5pm)
2. Call Express Employment Professionals at 360-414-1200 to speak with a hiring manager
3. Text "Jobs" to 360-414-1200
4. Complete the application on our website expresspros.com/longviewwa
5. Submit your resume via email to longviewwa@expresspros.com

"All employment offers are contingent on the successful completion of a pre-employment drug screening, THC approved for pre-employment purposes and criminal background check & credit check in compliance with all applicable federal and state laws." 

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