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Credit Analyst
TCF Bank
Waterloo, IA, United States
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Description
TCF is in search of a Credit Analyst I, located in our Waterloo, IA office. This position will work in our Equipment Finance Credit area.
Responsible for analyzing and monitoring credit worthiness of assigned customers/accounts and recommending and/or approving credit within established guidelines. Includes analyzing financial statements and completing ratio and trend analysis of statements to determine if a customer is eligible for financing.
Responsibilities:
Underwrite high quality credit narratives in support of new and existing loans. Review and analyze various transactions. Includes review and analysis of applications, financial statements, balance sheets, D&B reports, etc.
Spreading business financial statements and tax returns using Moody's software to analyze multi-year trends and ratios from financial information.
Understand cash flow from operations, which includes identifying recurring and non-recurring sources of cash flow.
Research industry trends and risks.
Run credit reports and gather/analyze information.
Spread personal financial statements and tax returns for individual guarantors, develop borrower and guarantor global cash flow analysis.
Perform Annual Reviews on programs and individual transactions as assigned.
Prepare written recommendation as to whether the proposed loan should be approved as presented, and provide alternate loan structure recommendations.
Lead special projects as needed.
Qualifications:
Required:
Bachelor’s degree in Finance, Accounting, Business or related field.
1+ years credit underwriting experience and prior credit approval authority.
Ability to independently structure and underwrite most loan requests.
Detail oriented with the ability to analyze cash flow, leverage and gauge customer strength.
Excellent written/verbal communication and presentation skills.
Demonstrated ability to make sound business judgments while protecting the interests of the bank.