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DATE OF POSTING:
May 13, 2008
GROUP/DIVISION, DEPARTMENT:
CEBG/Communications Credit
LOCATION:
Denver
REPORTS TO: Senior Manager Credit
Position Summary:
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. 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 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. |
