Warehouse Lending Credit Analyst

Job Type
Full-time
Description
As our Warehouse Lending Credit Analyst, you will underwrite large revolving lines of credit for our mortgage companies, including warehouse, correspondent, and multifamily portfolios. You will do this by spreading the companies' financials (data) into our systems and then reviewing items such as profit and loss, their balance sheets, and how they are doing business. It's the Credit Analyst's job to look at this raw data, dig in and question everything, and then use those findings to create a summary for final approval from our executive credit committee. If this sounds like an exciting opportunity, then please, apply today.
In ninety days as a Warehouse Lending Credit Analyst, you know you were successful if you...

• Prepared written credit analyses on prospective and existing clients for presentation and recommendation to approval authorities, including executive management. Included in this analysis is the spreading of corporate financial statements, preparing and reviewing due diligence questions with client and sales team, and legal contract management and review.
• Monitored ongoing compliance reviews; consisting of quarterly and audited financial statements, UCC filings, and insurance documentation. Maintained all applicable databases and tracking systems, and notify appropriate authorities of covenant breaches and other significant events.
• Developed strong working relationships with internal and external parties.
• Participated in credit and risk-related conference calls with internal parties and clients.

Requirements
What we are looking for...

• Bachelor's Degree in business-related area preferred, with coursework in Finance and Accounting a plus.
• Minimum of one year's experience in credit analysis and/or commercial lending with knowledge of mortgage banking
• Detail-oriented with strong analytical and credit skills.

Ranked as the top-performing U.S. public bank by S&P Global Market Intelligence, Merchants Bancorp is a diversified bank holding company headquartered in Carmel, Indiana, operating multiple lines of business, including multifamily housing and healthcare facility financing and servicing, mortgage warehouse financing, retail, and correspondent residential mortgage banking, agricultural lending, and traditional community banking. Merchants Bancorp conducts its business through its direct and indirect subsidiaries, Merchants Bank of Indiana, Merchants Capital Corp., Farmers-Merchants Bank of Illinois, and Merchants Mortgage, a division of Merchants Bank of Indiana.
Merchants understands the positive impact of making employees feel valued and is proud to once again be recognized by the Indiana Chamber of Commerce's Best Places to Work Program. This is the seventh year in a row that Merchants was recognized as a Best Places to Work organization.
PM20 #BK