General Summary: Drawing on previous commercial lending experience, the ideal individual for this role will analyze past financial performance to predict future performance and to advise the company on its financial strategy. Provide operational guidance and assistance to stakeholders (both internal and external) and support program oversight.

Essential Job Functions:

• Provides technical experience and assistance in the conduct of analyses and reviews of assigned activities.
• Evaluates performance on an ongoing basis to ensure risks are reflected accurately and appropriately.
• Assists in scheduling reviews, analyzing results, identifying required actions and following-up to ensure completion.
• Assists in managing relationships, recommends standard enforcement actions and presents recommendations to supervisor.
• Prepares written reports and summaries with results of reviews, analysis of performance trends and includes recommendations for enforcement actions.
• Reviews reports and examinations reports prepared by contractors for quality.
• Participates in meetings and assists management and other analysts in preparing for meetings.
• Identifies operational weaknesses and deficiencies in the Agency's delivery of financial assistance, formulates and recommends policies and procedures to improve those weaknesses, and implements enhancements to increase the program's efficiency and effectiveness.
• Develops work product, recommendations, and suggestions that are relied on as technically correct. Complicated work is reviewed for agreement with overall policies, attainment of objectives, and due dates.
• Analyzes and isolates variables in order to identify individual factors and to interrelate and correlate financial, accounting, and marketing variables and processes, as well as the underlying financial principals, in order to plan, develop, execute, and evaluate program requirements and to draw correct conclusions from the data evaluated. Frequently, the analyst must extend or adapt existing methodology due to shifting variables and the lack of specific guidance or precedent.
• Prepares analyses to identify current and emerging risks and preparing reports for senior management to help understand risk. Responsible for an approving delegation of authority, monitoring, oversight, and supervision including analyzing results, identifying required actions and following-up to ensure completion.
• Reviews reports and/or examinations reports prepared by contractors for quality assurance and regulatory compliance and issuance and for oversight, monitoring and supervisory purposes. Works with the contractor to ensure the monthly, quarterly, and annual deliverables are received in a timely fashion; reviews federal and state regulators’ enforcement actions, formal/informal agreements, mergers and acquisitions; and review and revise the monthly and quarterly reports.
• Ensures performance ratios, activities and regulatory issues comply with rules prescribed under the standard operating procedures for each program.
• Other related duties as assigned.

Education Requirement: Bachelor’s Degree

Experience Requirement: Minimum three (3) years of direct experience of financial analysis in the lending industry

Other Requirement(s): This position requires U.S. Citizenship or a Green Card holder and the ability to obtain and maintain a Government public trust level security clearance. For a candidate that is a Green Card holder, they must have lived in the United States for at least three out of the past five years prior to your application date. You will also meet the residency qualifications if you lived abroad while on government or military duty or if you were a dependent of a federal employee of military member.

Performance Requirements:

• Advanced in MS Excel, proficient in other MS Office Suite products.
• Prior experience in the commercial lending industry
• Familiarity with underwriting / credit analysis
• Knowledge of the theory and principles of finance applicable to the service industries.
• Knowledge of basic practices of accounting, economics, and statistical analysis.
• Ability to use qualitative and quantitative analytical methods and skill in data management techniques in order to analyze and present findings.
• Ability to develop and present written and oral communications clearly, concisely, and effectively.
• Comprehensive knowledge of concepts, principles, theories, and practices of financial structure, credit risk, business management operations, liquidation issues, and procedures sufficient to serve as an expert in financing.

Equipment Operated: Standard office equipment including computers, fax machines, copiers, printers, telephones, etc.

Work Environment: Work performed in an hybrid office environment. Involves frequent contact with staff and customers.

Mental/Physical Requirements: Manual dexterity for office machine operation; stooping, bending to handle files and supplies, mobility to complete errands or deliveries. Must be able to remain in stationary position for extended periods of time. Stress can be triggered by multiple demands and deadlines.

DISCLAIMER: The above statements are intended to describe the general nature and level of work performed. They are not intended to be an exhaustive list of all responsibilities, duties, skills, efforts, requirements, or working conditions. Management reserves the right to revise the job or to require that other or different tasks be performed as assigned in accordance with business demands and/or contractual requirements.