Loan Analyst

Loan Analyst

Loan Analyst


Job Code: 603
Department: CapitalAnalytics
Location: BUFFALO, NY US
Travel Involved: 0-25%
Job Type: Full-Time
Job Level: Experienced (Non-Manager)
Education: Bachelors
Skills:
Category: Accounting/Auditing
Job Summary:

To conduct on-site

due diligence on prospective and existing customers by examining

business, cash flow trends, and collateral strengths and

weaknesses. Collateral is evaluated by performing detailed

substantive tests and analysis. Based on this analysis, the Loan

Analyst independently evaluates the collateral and credit quality of

the borrower or prospective borrower and makes appropriate

recommendations.


Knowledge, Skills, and Abilities:
PRINCIPAL

DUTIES AND RESPONSIBILITIES (*ESSENTIAL FUNCTIONS)

* Perform

on-site field examinations for:
a) New business transactions
* Gain a thorough understanding of the proposed

transaction and

collateral via a review of the applicable term sheet and initial

client









memo, and discussions with the applicable investment and underwriting













officers
* Coordinate scope of due diligence services needed,



and arrange/coordinate onsite visit
* Execute planned due diligence procedures









onsite
b) Portfolio monitoring

transactions
* Gain a thorough understanding of the transaction

and

collateral via review of the credit files, loan documents, and

discussions with the applicable Credit Administration

personnel
* Coordinate scope of due diligence services needed,



arrange and

coordinate onsite visit
* Execute planned due diligence procedures

onsite
* On-site

review/testing of company records to verify the integrity of the

financial data submitted; verify the accuracy of the collateral

record keeping and systems. Through inspection and substantive

procedures, verify the existence and valuation of

collateral
* Discuss key













financial trends with management and perform verification of

applicable financial statement accounts
* Prepare and













complete comprehensive examination work papers to document

examination findings and results of procedures performed
* Assist in

preparation of underwriting and collateral monitoring

reports
* Discuss

findings with Investment officers and Credit Administration

personnel
* Perform ad

hoc projects and assignments as needed to evaluate credit and

collateral quality
EDUCATION AND EXPERIENCE

* Accounting,













auditing, and commercial lending skills
* Minimum of

Bachelors degree, preferably in accounting
* CPA
designation is

preferredKNOWLEDGE, SKILLS AND

ABILITIES

* Proficient

in Microsoft Word and Excel
* Excellent

written and oral presentation skills
* Strong

interpersonal and presentation skills are required
* Extensive

travel is required, frequently on short notice
* Ability to

work overtime is required
* Successful

candidate must be deadline orientedCOMPETENCIES
* Adaptability: Maintaining effectiveness when

experiencing major

changes in work tasks or the work environment; adjusting effectively



to

work within new work structures, processes, requirements, or

cultures
* Communication: Clearly conveying information and

ideas through a

variety of media to individuals or groups in a manner that engages

the

audience and helps them understand and retain the message
* Customer Focus: Making customers and their needs a

primary

focus of one's actions; developing and sustaining productive customer





relationships
* Initiating Action: Taking prompt action to

accomplish

objectives; taking action to achieve goals beyond what is required;

being proactive
* Work Standards: Setting high standards of

performance for self

and others; assuming responsibility and accountability for

successfully

completing assignments or tasks; self-imposing standards of

excellence

rather than having standards imposed


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