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Senior Credit Analyst

Company: U.S. Venture
Location: Appleton
Posted on: June 6, 2021

Job Description:

POSITION SUMMARY

Performs higher level credit analysis in accordance with general instructions and established work methods. Work involves exercise of sound judgment and credit analysis within prescribed procedures, with minimal supervision. Works closely with the sales team and outside customers to ensure appropriate credit limits.

JOB RESPONSIBILITIES

  • Investigate the credit background of incoming applicants, acquisition accounts and existing customers, including, where applicable, analyzing financial statements and income tax returns among multiple divisions
  • Determine appropriate terms of payment and the security required for credit limits being assigned within credit authority. Properly document all security requirements
  • Establish reasonable customer credit limits within assigned credit authority and make thorough and reasoned oral and/or written recommendations to credit manager for credit limits exceeding assigned authority
  • Timely communicate credit limits and security requirements to appropriate sales, marketing and management associates
  • Where needed, visit applicants and customers to obtain and/or review credit and financial information required as part of the credit due diligence process
  • In a timely manner, prepare and disseminate credit activity reports to sales, marketing and management associates
  • Understand collateralization/deal structuring
  • Strong negotiation skills with internal and external customers
  • Ability to compose a deal structure that satisfies the customer, sales and achieves the appropriate balance of risk
  • Working knowledge of the bank financing environment, government guaranteed lending programs, and bankruptcy/collection protocol to appropriately structure credit and collateral at origination
  • Responsible for implementation of specific pieces of the department strategic plan
  • Ensure department internal controls are adhered to

QUALIFICATIONS

  • Bachelors degree required with emphasis in accounting or finance preferred
  • Banking experience a plus
  • 3+ years prior credit investigation and evaluation experience in a high volume credit environment
  • Strong analytical, cognitive and numerical aptitude
  • Demonstrated critical thinking ability, seek to understand mentality
  • Ability to work independently in a high volume environment
  • Ability to analyze financial statements and tax returns for individuals and businesses
  • Working knowledge of business legal structures and collateral
  • Strong working knowledge of business legal structures
  • Expert in data manipulation, including proficiency in Excel and Word
  • Strong verbal and written communication skills

U.S. Venture, Inc. is an equal opportunity employer that is committed to inclusion and diversity. We take affirmative action to ensure equal opportunity for all applicants without regard to race, color, religion, sex, sexual orientation, gender, gender identity or expression, marital status, age, national origin, disability, veteran status, genetic information, or other protected characteristic. If you need assistance or an accommodation due to a disability, you may call Human Resources at (920) 739-6101.

Keywords: U.S. Venture, Appleton , Senior Credit Analyst, Other , Appleton, Wisconsin

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