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Senior Analyst, Strategic Markets
Job Description
Position Description:
Autonomously conducts financial, industry, and credit analysis including gathering, analyzing, and interpreting all types of credit information, including analysis of collateral at policy level detail; credit; structure; insurance carriers; cash flow and other financial ratios
Reviews financial statements, projections and all other relevant financial and non- financial data to develop a succinct analytical foundation for a credit decision
Analysis of legal entity organizational structure and key relationships / contracts
Determine loan creditworthiness through analysis of credit, cash flow, book of business, carrier contracts and financial statements
Projects profitability through detailed financial projections incorporating financial and non-financial issues to structure financial covenants
Ensures structuring decisions reflect commitment to strong asset quality
Provides value-added feedback to the Director of Underwriting and/or the Credit Committee
Prepares comprehensive credit approval summaries for recommendation and presentation
to the Director of Underwriting and/or Strategic Markets team
Participates in client introductory calls, subsequent information development calls with potential clients and on-site visits
May perform due diligence site visits at the prospective clients' and/or seller's agencies
Works closely with the Strategic Markets team to advise and structure potential loans
Adheres to federal and state regulatory requirements
Other duties as defined by management
Requirements:
Bachelor's degree in accounting, finance or economics or equivalent experience in credit analysis and/or loan review
Relevant Experience (required):
Prior experience of at least five years in Commercial Banking & Underwriting is required with extensive experience underwriting loan amounts of $5 million to $20 million
-OR- Insurance industry experience in finance, accounting, mergers & acquisitions or public accounting experience in the insurance industry
-OR- Private equity or investment banking experience in the insurance industry
Must be able to multi-task and work with little direction
Experience with commercial loan or transaction closing process
Comprehensive understanding of general economic theory as it relates to lending and business
Advanced knowledge of credit analysis, underwriting, administration policies and procedures with the ability to analyze risk and make appropriate recommendations to credit policy. Understanding of the need to balance business development with asset quality
Deep knowledge of federal and state laws and regulatory requirements specific to commercial lending
Ability to organize and meet set performance metrics in productivity, quality, and required service levels
Strong written and verbal communications skills. Must have the ability to write succinct credit summary recommendations
Unique ability to communicate with potential clients and guide them through the process from a sales and underwriting perspective
Proficient computer skills including but not limited to Microsoft Office with emphasis in Word, Excel, Power Point and web research
Understanding and experience with the insurance industry is a plus
Ability to travel, perhaps up to 50%
Company
Oak Street Funding LLC
Job Code
State or Province
Indiana
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