Careers.

Commercial Credit Risk Analyst

Exempt, Non-Officer

Salt Lake City, Utah

Overview:

The Commercial Credit Risk Analyst’s primary duties include facilitating the credit underwriting and ongoing financial review process for a large number of independent contractors who, as strategic business partners of the Bank, refer their customers to the Bank to apply for unsecured home improvement loans. The credit underwriting process includes making credit decisions using both objective and subjective credit criteria. This position is also responsible for conducting, documenting, and tracking ongoing financial reviews, as well as assisting the Credit Risk Manager in preparing contractor credit review packages for Credit Committee.

This position reports to the VP and Credit Risk Manager and interfaces regularly with individuals in the Sales and Marketing Divisions in both Salt Lake City and North Carolina.

Qualifications:

The ideal candidate will have solid experience analyzing a wide variety of business financial statements, be able to identify inconsistencies in the reported financial information and be able to communicate effectively and professionally with business owners. The candidate should have experience writing and presenting credit reviews and recommendations for management. The candidate will be able to quickly evaluate business credit reports, Dun & Bradstreet reports, personal credit reports, BBB reports, and other relevant information necessary to make informed and reliable recommendations to bank management. This individual must be detail oriented and proficient with Microsoft Word and Excel. The candidate should have strong organization and time management skills.

Roles & Responsibilities:

  • Request updated documentation from contractors prior to performing scheduled reviews. Make decisions regarding contractor performance and whether contractor remediation or deactivation is warranted.
  • Conduct ad hoc financial reviews of existing contractors to determine ongoing eligibility of loan product access and program participation.
  • Underwrite contractors using both objective and subjective credit criteria to determine eligibility to participate in EnerBank USA loan programs.
  • Assist the Credit Risk Manager in preparing Credit Committee packages, including financial statement analysis and written credit reviews.
  • Other tasks as assigned.


General Requirements:

  • Thorough understanding of business financial statements and other reports and data utilized in the Bank’s contractor underwriting process
  • Strong computer and organizational skills
  • Excellent oral and written communication skills
  • Good analytical skills
  • Ability to work independently and as part of a team
  • Ability and desire to work in a fast paced, dynamic work environment often with individuals in a remote location
  • Bachelor’s degree or equivalent experience required
  • 3-5 years of business financial statement analysis/commercial credit experience


Work Hours:

Business hours are Monday through Friday 40 hours a week as assigned. Overtime may be needed on occasion.

To apply please email your cover letter and resume to This email address is being protected from spambots. You need JavaScript enabled to view it..

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Business Analyst

Exempt, Full-Time Permanent

Salt Lake City, Utah

Overview:

  • Data-driven strategy
  • Research and analytics
  • Database systems and reporting

This position is responsible for assisting the BI Manager in the implementation of management’s intelligence needs by gathering and analyzing related information, providing timely reports to be acted on, and assisting in the implementation of those recommendations. The Business Analyst must be comfortable working with data and enjoy strategizing on how to best leverage data to solve complex business needs. He/she must develop an in depth knowledge of the bank’s business model, strategic plan, reporting systems and databases, and operational processes.

Primary Responsibilities:

  • Develop and produce business intelligence briefings used by senior management
  • Measure and report on the progress of key strategic goals of the bank
  • Provide reports as needed to guide the day to day operations of each of the Bank’s departments
  • Engage in original market research to identify SWOT for the Bank
  • Analyze data through the use of statistics to ensure key findings are significant and robust
  • Work closely with IT to ensure database systems are setup to meet business intelligence needs
  • Assist in the implementations of recommendations given by the BI department
  • Other duties as assigned


Technical Skills:

  • Translate strategic objectives into an overall research, measurement and reporting plan
  • Market research and statistics
  • Pull data from database systems through object or syntax based queries
  • Transform and organize data into logical groupings through excel based functions
  • Strong command of Microsoft Excel, PowerPoint and Word (a true power user)


General Requirements and Skills:

  • Bachelor's Degree (Master’s degree preferred) with classes in quantitative field (statistics, economics, engineering, etc.)
  • 2+ years’ experience in analysis preferred
  • Proven ability to complete projects and meet deadlines
  • Highly developed communication skills, both written and oral


Work Hours:

Business hours are Monday through Friday 40 hours a week as assigned. Overtime may be needed on occasion.

To apply please email your cover letter and resume to This email address is being protected from spambots. You need JavaScript enabled to view it..

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