Statewide (FL) – Credit Analyst – C&I & CRE (106410)

William has been a Credit Analyst for eight years and enjoys all elements of credit analysis, underwriting and portfolio management.

He is seeking an opportunity with a central Florida bank.

William career skills as a credit analyst / portfolio manager include:

  • Managed $250MM loan portfolio adjusting risk ratings to appropriately reflect asset credit quality Conducted financial spread and credit analysis to measure businesses profitability, liquidity, and efficiency
  • Proficient in both CRE and C&I loan facilities
  • Maintained personal lending authority of $500,000
  • Reviewed SBA 7A loans to ensure that debt service is within acceptable guidelines parameters
  • Performed cash flow analysis for owner-occupied properties and assigned the appropriate risk ratings which reflect the probability of default and the expectancy of loss for each loan facility and the required loan loss reserves
  • Analyzed CREI Properties to determine if they have the ability to support themselves with sustainable cash flow
  • Collaborated with credit approval relationship managers and clients to determine the best loan products for short and long-term borrowing needs based on financial information
  • Review and underwrite business banking loan and lines of credit within portfolio to maintain high credit quality, ensure appropriate collateralization, and minimize losses.
  • Assess credit risk, and provide analytical support for the growth and maintenance of business banking relationships.
  • Handled various credit requests with different levels of complexity.
  • Interacted with the lending team on a daily basis to address underwriting concerns and portfolio issues
  • Worked collaboratively with Sales team to find lending solutions for credit requests to minimize risk, and maximize profitability

William is asking for a base salary minimum of $70K plus an opportunity for bonus.

Kindly call Jeanie Maher or Tom Szmanda at 847-325-5457 or email us at: