DATE OF POSTING:
April 8, 2008
GROUP/DIVISION, DEPARTMENT:
Commercial
Ag/Central Credit Region
LOCATION:
Minneapolis
REPORTS TO:
Senior
Manager, Credit
Position Summary:
Prepares and analyzes the current, historical, and
projected financial condition and repayment capacity
of the bank's largest and most complex borrowers.
Prepares clear, substantive, credit reports for loan
committee in conformity with bank policies and
procedures. Consults with lending or leasing staff
and other origination channel contacts on
appropriate loan structures. Assists with account
servicing, credit administration, and
documentation. Takes a leadership role in managing
the credit origination process from application
through final approval, closing, booking, and
servicing. Approves or co-sponsors credits within
prescribed credit limits. Adds value to account
relationships and supports the achievement of
profitability and credit quality goals through
interactions with staff and customers.
Knowledge and Skills:
Bachelor's
degree business, finance, or relevant discipline and
2 - 8+ years credit experience in banking industry;
or appropriate combination of education and
experience. Master’s degree such as MBA preferred.
Expert knowledge of complex lending, financial
structuring and credit arrangements, and bank
products. Industry expert knowledge of credit and
financial analysis, including cash flow analysis,
balance sheet analysis, profitability, liquidity,
and solvency analysis. Advanced knowledge of
Generally Accepted Accounting Principles (GAAP),
taxation, legal forms of organizations, and business
law. Advanced knowledge of financial modeling
techniques and preparation of pro forma financial
statements. Expert knowledge of credit underwriting
policies, procedures, processes, collateral
valuation, and documentation. Advanced ability to
perform discounted cash flow analysis, capital
budgeting (internal rate of return, net present
value, etc.), and equity valuation calculations.
Knowledge of specific assigned industry, including
key risks and long term issues. Advanced ability to
use spreadsheet, word processing, and database
applications. Excellent interpersonal, negotiation,
presentation, oral and written communication skills.
Other Requirements:
Advanced leadership and independent thinking skills.
Ability to consolidate many resources to complete
the "deal." Some travel required.
