Vp, Senior Risk Analyst

Join Triumph!
At Triumph, we believe the strength of our commitment is reflected in product innovation and the strategic partnerships we've established. That's why we look for team members who work hard to make a difference in their workplace and community. Our goal is to make long-term improvements in everything and everyone we touch. We thrive on providing exceptional customer service, and we look for friendly professionals dedicated to helping customers achieve their financial goals.
Position Summary:
Triumph's Equipment Finance Division (TEF) is a business unit with the primary responsibility for the financing of transportation, construction and environmental equipment. TEF seeks a qualified Senior Risk Analyst whose responsibilities include: (i) underwriting credit approval requests for both prospective and existing clients; (ii) performing ongoing monitoring on existing credits to assist in assessing the quality of the loan portfolio.
Essential Duties & Responsibilities:

• Lead the due diligence process for all prospective and existing client loan requests typically exceeding $3MM in exposure.
• Maintain an in-depth understanding of, spread and analyze borrower financial statements and/or tax returns.
• Prepare written Credit Approval Memo, complete with financial analysis and detailed ratio discussions including cash flow coverage and other pertinent ratios.
• Approve credits within authorities and recommend credit approvals above terms.
• Attend and present and/or comment on transactions in Management Loan Committee and Executive Loan Committee.
• Mentor and train new employees and less seasoned analysts on processes, financial analysis and industry knowledge.
• Monitor existing client relationships for material changes.
• Ensure that all transactions conform to the Loan Policy and approval requirements.
• Collaborate and communicate directly with the borrowers, financial professionals, TEF marketing team and the internal staff.
• Other duties, as assigned.

Education & Experience:

• Bachelor's degree is required, or 10+ years of direct experience coupled with college.
• 10+ years' experience in credit underwriting and financial statement analysis.
• Experience in an equipment lending industry is preferred.

Skills & Abilities Required:

• Problem solving and decision-making skills are essential.
• Ability to read and interpret financial statements and tax return documents.
• Attention to detail and mental concentration are necessary for handling frequent interruptions, balancing several on-going tasks, and working in a fast paced environment.
• Strong organization, interpersonal, communication, negotiation, and customer relationship skills are required.

Work Environment:
The work environment characteristics described here may be encountered while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Moderate noise (i.e. business office with computers, phone, and printers, light traffic).
• Ability to work in a confined area.
• Ability to sit at a computer terminal for an extended period of time. Occasional stooping or kneeling may be necessary.
• While performing the duties of this job, the employee is regularly required to stand, sit, talk, hear and use hands and fingers to operate a computer keyboard and telephone.
• Specific vision abilities are required by this job due to computer work.
• Light to moderate lifting is required.
• Regular, predictable attendance is required.

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We offer Medical, Dental, Vision, Paid Time Off, 401k and much more.
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