Business Systems Analyst
Our client is looking for a Business Systems Analyst to analyze and spread financial data related to new and renewal loan requests, including lines of credit, commercial real estate, working capital, equipment financing, loans for business start-ups, and business acquisitions, which typically would require a government guarantee.
Business Systems Analyst Responsibilities
Presents facts and offers opinions/recommendations to Business Development Officers (BDOs) concerning applicant's credit worthiness.
Prepares summary and/or credit approval report documenting credit analyses and recommendation for credit decision to approving authority.
Assists BDOs in gathering details for new loan requests and in processing servicing actions for existing relationships, maintaining contact with clients and resolving issues.
Reviews annual financials on existing loans and analyzes the risk associated with the borrower's financial condition, recommending risk-rating changes when appropriate.
Reviews and monitors commercial and/or real estate loan documents for accuracy, completeness and adherence to approval conditions.
Follows up with customers to obtain all necessary information and clarification on financial analysis materials and resources.
May work with attorneys, the SBA, USDA, and financial or other legal resources to obtain correct and accurate documents to fully protect the financial institution's interests in the credit relationship.
May participate in customer and prospect calls with the BDO.
Demonstrates compliance with all regulations for assigned job function and applies to designated job responsibilities -- knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes.
Follows all policies and procedures, compliance regulations, and completes all required annual or job-specific training.
Maintain a working knowledge of written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description.
May be asked to coach, mentor, or train others and teach coursework as subject matter expert.
Actively learns, demonstrates, and fosters the corporate culture in all actions and words.
Takes personal initiative and is a positive example for others to emulate.
May perform other duties as assigned.
Business Systems Analyst Qualifications
Requires a bachelor's degree or equivalent.
5-8 years of relevant credit analysis or commercial underwriting experience and SBA lending knowledge.
Strong analytical and problem solving skills with prior consumer, and commercial lending experience, wide-ranging and in-depth knowledge of industry practices.
Strong credit and credit quality skills including accounting, financial statement spreading, and cash flow analysis experience.
Strong knowledge of credit policies, procedures, practices and documentation.
Strong knowledge of SBA SOP's.
Demonstrated sales skills and business development.
Excellent written and verbal communication.
Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships.
Proficiency with personal computers and related software packages such as Word and Excel, and other business machines.
Must have completed accounting and credit training courses.
Benefits are available to eligible VanderHouwen contractors and include coverage for medical, dental, vision, life insurance, short and long term disability, and matching 401k.
VanderHouwen is an award-winning, Women-Owned, WBENC certified professional staffing firm. Founded in 1987, VanderHouwen has been successfully placing experienced professionals throughout the Pacific Northwest and nationwide. Our recruitment teams are highly specialized in either Technology and IT, Engineering, or Accounting and Finance career markets. Our recruiters value building meaningful, professional relationships with each candidate as well as developing honed knowledge of companies' staffing needs and workplaces. Partner with us to land your next exciting career.
VanderHouwen is an Equal Opportunity Employer and participates in E-Verify. VanderHouwen does not discriminate on the basis of race, color, religion, sex, national origin, age, disability, or any other characteristic protected by applicable local, state or federal civil rights laws.
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