Experience Inc. Jobs

Location: For Those Who Work At Home - Various, Ohio 44145 "* Interpret cash flow, balance sheet, income statements, and tax returns (both personal and business) to determine credit worthiness. * Use credit data and financial statements to determine the degree of risk involved in extending credit or lending money. * Review financial statements and all other relevant financial analysis as well as non-financial data to develop a concise focused analytical foundation for a credit decision. * Deep understanding of risk rating models and tolerances . * Develop the credit write-up to determine loan structuring opportunities to present to Credit Officers. * Make accurate recomendations in granting loan requests using understanding of credit and risk management concepts. * Approve loan transactions within applicable lending authority. * Provide value-added feedback to the approving Credit Officer through the use of risk/mitigant analysis. * Projects client's/prospect's profitability through detailed financial projections incorporating financial and non-financial issues. * Assists Relationship Manager with AQR preparation; client follow-up for covenant violations; financial statement submission; maturity date renewals; past due reporting, etc.. * Advise and recommend alternative means of financing when it is determined existing loan structure is not in the best interest of the bank or the client. * Project and translate risk factors into actionable steps to control portfolio asset quality. * Assess liquidity, quality of management, market position, and overall business climate to estimate future profitability of business. * Evaluate applicant's credit needs, financial strength and other background information to determine if request for credit is an acceptable risk. * Ability to interpret external market data and client trends and uses knowledge to make informed credit decisions. * Coordinates requests for additional information through relationship managers or KeyCenter associates. * Advocate risk culture with peers and partners. * Periodic assignments related to the constantly changing risk management environments. * When necessary, communicate with the client/prospect to gather data to clarify complex information. * Based upon the financial analysis, assess the primary elements of risk and the proposed mitigants. * Perform pro forma modeling to assess the future performance of the client/prospect. * Utilizing the standard software application, prepare all spreadsheets and credit presentations. * Attend meetings and participate in joint calls with the relationship managers and their respective Bank clients when necessary. * Monitor assigned portfolio of existing clients for deterioration and document findings on a quarterly basis. * Validate all risk ratings within assigned portfolio on a quarterly basis and ensure that they are correct on the various loan accounting systems within the Bank. * Complete all covenant testing of assigned portfolio on a quarterly basis or as designated. * Serve as a training resource or knowledge source for lower level underwriting staff as requested. * Adhere to department and corporate guidelines, policies and compliance procedures. * Maintain constructive and professional interaction with regulators, consultants and other internal and external business partners. * Periodically travel to meet with clients or assess financial viability of lending requests. * Communicate directly with participant lenders as required. * Monitor client's inventory/financing needs to ensure adequacy of approved financing commitments. * Monitor age and mix of financed inventory. * Recommend modifications to financing commitments as appropriate and approve within limits of authority.