Job Description
Responsibilities:
- Conducts analysis of credit, earnings, and other factors to determine the applicant's eligibility and capacity to repay the proposed loan through an examination of available information
- Develops financial models for forecasting, trending, and results in analyses.
- Prepares monthly analysis of rate performance, including expense and base information on a year over year, year to date, and full-year basis.
- Provides variance reporting and analysis to senior management.
- Responds to inquiries identifies issues and develops solutions to complex and diverse challenges concerning a variety of financial data, some of which contain confidential and sensitive information requiring tact and discretion in handling.
- Conducts ad hoc cost structure and rate analysis as necessary, including cost accounting change impacts.
- Exercises judgment within generally defined precedents and policies to ensure that financial planning and cost control activities meet overall objectives.
- Develops balance sheets and cash generated (used) schedules; capital program and expenditure budgets; as well as base analyses for assigned profit centers.
- Build and maintain working capital, cash flow, and covenant compliance forecasts.
- Provide an in-depth analysis of gross margin trends.
