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Apple Bank · 5 months ago

Project Finance Credit Analyst

New York, NY

Full-time

Hybrid

Entry, Mid Level

$95K/yr - $110K/yr

2+ years exp

Apple Bank is seeking a Project Finance Credit Analyst to assist in the active management of a loan portfolio focused on large projects across various industries. The role involves risk grading, credit approval, and monitoring account performance while collaborating with key stakeholders and ensuring compliance with internal policies and external regulations.

Financial ServicesFinTech

No H1B

Responsibilities

Assist in monitoring the loan portfolio and updating risk management reporting tools, in collaboration with management, loan operations staff and other key stakeholders

Monitor reporting and compliance requirements in loan documentation; review deliverables to confirm acceptable performance and ratings

Coordinate with key internal partners to support servicing of existing customer base

Ensure timely completion and tracking of internal deliverables such as reviews and renewals for existing credit customers

Work in conjunction with manager to prepare for and present at loan committees and credit quality reviews as applicable

Identify and resolve operational and credit issues with loans held in portfolio

Evaluate and make recommendations of loan amendments, increases, extensions and modifications

Prepare and present deal-screening memorandum and prepare approval memorandum concisely analyzing borrower/guarantor/off taker’s financial condition, perform cashflow and collateral analysis, base and downside projection analysis, and analyze credit metrics to determine credit risk

Run risk rating model, interpret and support the risk rating recommendation

Ensure compliance with internal bank commercial loan policy, credit risk management policy, and external regulatory requirements; identify and report exceptions and mitigate

Assess industry/market/external factors impact on the credit transaction

Monitor adequate completion of credit approval process, closing and post approval items

Participate in ongoing pipeline meetings

Maintain trend cards on a timely basis and ensure that files are kept up to date and orderly

Approve funding requests in coordination with loan operations

Conduct post-closing credit file and maintain post-closing files

Assist Risk Team in the management of delinquent loans and reporting on status of delinquent loans

Perform other duties as requested

Qualification

Project Finance transactionsAdvanced analytical skillsFinancial modelingMS Office proficiencyCommunication skillsInterpersonal skillsTeamworkSelf-starter

Required

Bachelor's degree required, preferably in Finance, Accounting, or Economics

2 - 3 years of relevant experience. Understanding of Project Finance transactions desired

Advanced analytical and financial modeling capability

Develop and maintain in-depth understanding of commercial, economic and financial circumstances and how they impact loan borrowers and sponsors

Self-starter with demonstrated ability to manage a transaction

Must be proficient in MS suite of products (Word, Excel, & PowerPoint)

Excellent communication skills (verbal + written)

Strong interpersonal skills, and proven ability to work in a team environment

Company

Apple Bank

As the largest state-chartered savings bank in New York, with over $17.5B in assets, Apple Bank offers a full range of retail banking services to individuals and businesses across the five boroughs of New York City, Long Island, Westchester and Rockland counties, and New Jersey.

Founded in 1863

New York, New York, USA

1001-5000 employees