TCF Inventory Finance, Inc.Credit Analyst
Feb. 2014 - Mar. 2016Schaumburg, ILReview and analyze various transactions, including: review and analysis of applications, financial statements, business and consumer bureaus, security and legal documents, and payment performance.
Perform annual reviews on programs and individual transactions as assigned, and routinely monitor loans for compliance with loan agreements, various regulatory screenings and risk rating accuracy.
Prepare credit write-ups and Moodyβs spreads when appropriate in accordance with credit policy and procedure. Complete ratio, trend, and cash flow analysis to determine if a customer is eligible for financing and approve loans under assigned credit authority and/or submit for appropriate authority signatures.
Partner with sales and portfolio to negotiate effective transaction terms, conditions, documentation and while working effectively and efficiently to maintain a balance between customer needs and minimizing bank risk.