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Open nowFirst seen 9 hours ago

Credit Products Analyst I (Hybrid-Miami Lakes)

BankUnited89 open roles

Where
Miami Lakes, FL, USA
Work mode
Hybrid
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Your applicationOpen nowCredit Products Analyst I (Hybrid-Miami Lakes)BankUnited · Miami Lakes, FL, USA
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  6. 43.5%60 days
This job: first seen 9 hours ago

The posting

JOB SUMMARY: Prepares spreads and other preliminary financial analysis. May support in renewal and annual reviews of existing loans in the Corporate and CRE portfolio. Ensures credit quality is maintained through identification of key risk factors associated with each loan and determines if those factors are mitigated; analyzes the viability of the repayment sources; assesses the appropriateness of the current loan grade; and reviews the prior and conditional approval and all loan documents to ensure the borrowers' compliance with the terms of the loan.

ESSENTIAL DUTIES AND RESPONSIBILITIES

  • Works closely with the managers and officers of the supported line of business production units (Corporate Lending, Specialty Lending, Commercial Lending, CRE, Bridge Funding, etc.) to determine on-going priorities for loans under analysis. Makes modifications to priorities as appropriate with the input of their supervisor.
  • Maintains an up to date pipeline which details the status of all loans under analysis.
  • Prepares credit analysis reports with complexity being comparable to their level of experience from simple transactions (for CPA I) to the largest and most complex lending relationships in the bank (for CPA III). This includes recommendations as to modified structure or collateral, and if warranted, recommending that the loan not be renewed or downgraded.
  • Determines key risk factors for assigned loans and whether or not these are appropriately mitigated.
  • Prepares financial statement spreads for officers in supported units to help them evaluate credit proposals in their early stage.
  • Ensures compliance with Sarbanes-Oxley related matters.
  • Participates in, and may have leadership roles in, ad hoc project assignments as made by the Director of Credit Products, Senior Credit Products Manager, or Credit Products Manager.

SENIOR LEVEL RESPONSIBILITIES:

  • Assists in the training and development of Credit Products Analyst trainees. Will be assigned loans of the highest complexity. May have leadership role in ad hoc project assignments.
  • Adheres to and complies with applicable, federal and state laws, regulations and guidance, including those
  • related to anti-money laundering (i.e. Bank Secrecy Act, US PATRIOT Act, etc.).
  • Adheres to Bank policies and procedures and completes required training.
  • Identifies and reports suspicious activity.

QUALIFICATIONS

Education

Bachelor's Degree in business related field or considered but acceptable alternative field or candidates earning their bachelor's degree within 18 months will be considered but must complete their degree within that timeframe from their start date

Experience

0-2 years as a credit analyst required

Involved in the analysis of complex credits in both corporate lending and commercial real estate, in order to progress to the next Credit Product Analyst level required

Licenses and Certifications

Knowledge, Skills, and Abilities

  • Must have good accounting skills developed through formal college undergraduate courses (through intermediate accounting) or through acceptable alternative means such as AIB
  • Have demonstrated good credit judgment

Additional Information

  • Candidates residing in locations within BankUnited's footprint may be given preference.
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