Senior Commercial Lending Analyst

Reliance One, Inc.
Job Description
Senior Commercial Lending Analyst Responsibilities
  • Participate in commercial and consumer loan portfolio reviews to:
  • Assess the quality of underwriting and credit decision activities
  • Ensure the appropriateness of assigned risk rating classifications
  • Verify ongoing account management complies with established policy
  • Evaluate the adequacy of loan risk monitoring activities
  • Review accuracy of pertinent loan documents
  • Validate allowance for loan loss specific reserve calculations
  • Prepare reports for executive leadership summarizing the loan portfolio review
  • Provide direction to the Analyst-LRG as needed
  • Actively support departmental and organization wide process excellence improvement initiatives
Senior Commercial Lending Analyst Requirements
  • Commercial automotive lending background or equivalent preferred, with at least two years’ experience in underwriting credit reviews for automotive dealerships
  • Assigning risk ratings to commercial loans
  • Analyzing balance sheets, income statements, and cash flow statements to determine the creditworthiness of commercial borrowers
  • Bachelor degree in Finance, Accounting, a related field, or equivalent job experience
  • Master’s degree is preferred
  • Commercial loan portfolio management
  • Consumer automotive lending risk management
  • Business Process Management or Six Sigma methodology
  • Strong quantitative and analytical skills
  • Learning agility and desire to develop an expertise in both commercial and consumer automotive lending
  • Capable of managing multiple and varied assignments in a time-sensitive environment
  • Ability to direct a small group of analysts
  • Effective written and verbal skills
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