Job Description

SUMMARY

This position will be embedded within the Syndications team, providing credit expertise to support the origination, distribution and management of syndicated loan transactions in the USA. The role and will be responsible for analyzing and evaluating primary and secondary loan opportunities, preparing thorough credit assessments, and ensuring that transactions align with the bank’s appetite and policies. This position requires strong analytical capabilities, market knowledge of syndicated loan is a plus, and the ability to coordinate closely with internal stakeholders and Credit Department Managers.

Compliance with OFAC Regulations is the responsibility of ALL employees of the Bank. Employee is expected to be familiar with and have knowledge of the requirements of OFAC Regulations.

DUTIES & RESPONSABILITIES:

• Prepares credit analysis report for use by lending officers and the Bank’s respective Credit Committees for their consideration to approve or deny credit facilities for corporate and institutional USA borrowers. In order to accomplish this function, the analyst:

o Verifies that the required audit level for financial information submitted by the borrowers conforms to Bank’s policy.

o o Analyzes financial ratios derived from the spreading of the financial information.

o Reviews the comparative spreads of borrower’s and peer group’s ratios and draws appropriate conclusions.

o Runs and analyzes appropriate credit reference reports such Standard & Poors, Moody’s, and Fitcho

o Requests and reviews credit references from other available informational sources.

o Prepares credit analyses reports by presenting facts, and offers reasoned opinions in respect to the credit condition of the borrower being reviewed.

All of this work is conducted in a largely independent manner, with only occasional consultation and review by the Credit Department Manager.

• Prepares industry study reports on the industries in which the Bank extends credit. Reviews the Bank's portfolio position in each industry being analyzed and assesses the overall risk position being incurred.

• Provides clear assessment as to whether a proposed or existing loan is within established credit policy guidelines.

• Maintains extensive communication with Lending Officers, and Credit Department Managers providing assistance on the preparation of new loans and renewals.

• Assists the Credit Managers and Chief Credit Officer in training and supervising more junior credit analysts by showing them how to spread and analyze financial statements, prepare peer group comparisons, calculate and utilize financial ratios, understand and utilize cash flows, and evaluate all of the non-numerical aspects of evaluating credit risk.

• Provides necessary support to Credit Managers, Credit Portfolio Managers, and Chief Credit Officer.

DESIRABLE EXPERIENCE AND SKILLS:

• Requires a Bachelor’s degree, preferably with a business, finance major or related field. An advanced degree in business, finance, or economics is desirable.

• A minimum of three – four years previous credit training and experience is required, preferably within syndicated loans, or corporate banking .

• Requires strong knowledge and experience with word processing and spreadsheet software such as Microsoft Word and Excel. A high level of accuracy is important.

• Work typically involves reading, large amounts of writing, and substantial arithmetical calculations. Requires the ability to conduct research, strong conceptual and analytical skills, and the ability to write and speak effectively.

• Strong time management and organizational skills, with the ability to prioritize and manage multiple transactions.

• Fluency in both spoken and written Spanish is highly desirable.

Work is typically sedentary and requires the ability to work using computer equipment for up to 95 percent of the workday.

BSA COMPLIANCE

I understand and acknowledge that, in addition to the duties outlined in this job description, I am also responsible for ensuring that my duties are performed in full compliance with all of the bank’s Bank Secrecy Act, Anti-Money Laundering, and OFAC policies and procedures as well as related Federal Laws and Regulations. Furthermore, I understand that I must create and foster a culture of BSA, AML, and OFAC Compliance within the institution. Lastly, I agree to address any and all questions I may have about the Bank’s BSA/AML/OFAC Program to the Bank’s BSA Department.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to use hands to fingers, handle, or feel and talk or hear. The employee frequently is required to stand, walk, sit, and reach with hands and arms. The employee is occasionally required to climb or balance and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.

WORK ENVIROMENT

The work environment characteristics described here are representative of those employees’ encounters with performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions

While performing the duties of this job, the employee is occasionally exposed to risk of electrical shock. The noise level in the work environment is usually moderate.

Intercredit Bank is an equal opportunity employer.

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