Understand and promote the bank's credit culture and credit policies
Prepare loan request and loan renewal write-ups including global cash flow analysis, collateral analysis, industry analysis, management analysis, and overall repayment capacity
Complete underwriting in accordance with current regulations, compliance terms, bank policy, and legal requirements
Spread financial statements and tax returns and analyze historical performance
With direction from the commercial lending staff, prepare annual reviews of existing clients upon receipt of updated financial information
Monitor financial statement requirements, loan covenants, and borrowing base certificates and communicate findings to manager
Attend and participate in department meetings as necessary
Obtain, analyze, and incorporate third-party borrower information (e.g., credit reports)
Accompany Commercial Lenders on calls and inspections
Assist with classified asset reporting
Assist in the preparation for loan review
Assist Commercial Lenders with presenting loan requests to approvers, Senior Lenders, and Loan Committee as needed
Prepare pertinent reports, track financial information and receipt thereof
Maintain orderly and up to date credit files
Individually participate in identifying, measuring, monitoring, controlling, and mitigating departmental and enterprise-wide risks
Maintain awareness of and adherence to bank's compliance requirements and risk management concepts, expectations, policies and procedures and apply them to daily tasks
Deliver a consistent, high level of service within our Service Excellence standards
Other duties and projects as assigned
DESIRED KNOWLEDGE, SKILLS AND ABILITIES
Excellent organizational skills, strong analytical skills, problem solving skills, and the ability to focus on details while working toward the big picture
Superior verbal and written communication abilities
Comfortable and respectful working with customers and all levels of individuals of the bank
Provide superior customer service (internally and externally)
Accuracy and attention to detail is required
Proficient in the Microsoft Office Suite
Well-developed interpersonal skills with the ability to reach agreements for a win-win
Ability to independently prioritize, execute, and complete tasks with varying deliverables, complexities, and deadlines
Knowledge of financial statements and tax returns is a plus
Takes initiative, drives for results, and makes sound judgments
Office hours are Monday through Friday 8am to 5pm. This position is non-exempt and full time. A minimum 37.5 hours is required to maintain eligibility for full-time status. Generally the position will require 40 hours per week. Peak periods may require more than 40 hours per week.
Bachelors or better in Finance.
Bachelor's degree in another area of concentration will be considered with 2+ years of appropriate relative experience.
Park National Corporation is an Equal Opportunity Employer. It is the policy of the Bank to hire well-qualified people. An integral part of this policy is to provide equal employment opportunity for all persons for employment. It is also part of our policy to recruit and administer hiring, working conditions, benefits, privileges of employment, compensation, training, appointments for advancement including promotions and transfers, and terminations of employment for all associates without discrimination because of race, color, religion, citizenship, national origin, sex, age, veteran status, or handicap.