Franchise Finance Analyst

Franchise Finance Analyst

Job Summary:

Franchise Finance Analysts support the revenue growth and asset quality of the commercial lending line of business by participating in new client relationship development activities, functioning as part of the lending partnership, monitoring existing client relationships, and managing credit risk to ensure that loans are quality assets and well structured to mitigate portfolio risk. They understand the nature of the businesses and industries served, promote and support the bank’s loan policies, credit culture, and strategic initiatives, and examine, evaluate, authorize, or recommend approval of customer applications for commercial loans while effectively managing a commercial loan portfolio.

Franchise Finance Analysts utilize their strong analytical skills, a refined understanding of corporate finances, and wide-ranging industry knowledge to suggest and provide solutions that align with customer needs.

Vital Job Duties and Responsibilities:

• Analyze the financial details of existing and potential borrowers to assess their financial condition and repayment capacity, perform routine and annual evaluations, verify adherence to covenants, and make modifications to loan terms as appropriate.
• Delve into all possible sources of credit and financial information, such as reporting services, credit bureaus, and trade references, while familiarizing oneself with the market and industry where the client is situated.
• Appraise the pledged collateral for a loan and liaise with borrowers and accounting professionals as requested.
• Organize and exhibit financial information, industry indicators, economic influences, and market shifts in specified structures, assessing correlations, trends, and monetary flow.
• Develop precise and insightful credit evaluations that identify risks, repayment sources, policy exceptions, and collateral assessments.
• Providing advice on risk tolerance, policy adherence, and exceptions necessitates a comprehensive understanding of credit culture and loan policy.
• Comfortable managing all loan varieties, especially those with intricate borrower details, and proficient in negotiating loan structures with Commercial Bankers.
• Make sure loan contracts are comprehensive and correct in line with approvals to enable timely loan closing and funding.
• Supervise loan portfolios to ensure they align with approved terms and meet the requirements stipulated in the loan documentation.
• Be vigilant in recognizing developing trends and weaknesses to reduce exposure, alleviate credit risk, and manage delinquency and potential losses efficiently.
• Manage borrower compliance, loan reimbursements, covenant supervision, documentation, and conduct recurring borrower reviews.
• Responsibly utilize delegated lending privileges.
• Provide assistance in overseeing the resolution of problematic loans, monitoring loan repayment structures, and minimizing charge-off risks within the Special Assets Department.
• Keep yourself updated on market conditions, industry developments, regulatory instructions, and analytical techniques.
• Display competence in balancing time and organizing responsibilities effectively.
• Work with multiple departments to ensure underwriting tasks are handled in a timely and precise manner.
• Respect and follow the directives contained in Seacoast Bank's Code of Conduct.

Education And Experience:

• A major in finance, accounting, or business from a four-year accredited institution at the Bachelor's degree (BS or BA) level or higher is the preferred educational background.
• A minimum of a decade of experiential background in commercial credit assessment, commercial lending procedures, loan structuring frameworks, underwriting principles, financial understanding, and portfolio administration is essential.
• Formal training specifically in commercial credit is recommended.
• Ability to enhance and maintain solid analytical and risk management skills while carrying out intricate transactions.
• Skill in exercising critical thinking in evaluating credit approvals, loan structures, and guidance for managerial decisions.
• Familiarity with a variety of industries and categories of commercial properties.
• Drawing on prior experience to evaluate economic and market factors concerning assigned markets or business areas.
• Skillful in examining collateral and conducting valuation assessments with precision.
• Acquaintance with commercial loan guidelines, techniques, and responsibilities such as loan origination, underwriting, documentation, and credit risk assessment.

Equal Opportunity Employer:

Further details can be obtained by referring to the Department of Labor's official Know Your Rights publication.

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