Healthcare Credit Officer

The responsibilities will include, but will not be limited to:

• Lead a team of Healthcare Underwriting  Analysts to underwrite Healthcare loan requests originated from the Healthcare Division.
• Manage loan assignments ensuring work is assigned based on specialty and capacity
• Work with the Relationship Managers and Business Development Officers to manage pipeline workflow within the team
• Complete spreads on business entities to summarize their financial condition, performance, cash flow, trends and projections
• Complete Credit Memorandums for loan approvals incorporating quantitative and qualitative financial analysis
• Identify and summarize key strengths and risks of the transaction and communicate these to the credit approvers
• Analyze the proposed collateral position(s)
• Gather, examine and present information in a concise and substantive manner offering thoughts concerning creditworthiness and loan structure
• Prepare various forms and reports including loan agreement compliance reports and other reporting as needed
• Collaborate with production staff efforts to develop enhancements enabling acceptable and proper risk mitigation or conversely, to determine early situations posing unacceptable risk.
• Participate with production staff regarding industry segments to target and/or avoid.
• Accompany production staff on select onsite visits regarding prospects or existing customers.
• Manage continuing education efforts of underwriting analysts as well as oneself regarding healthcare industry changes and nuances (conferences, webinars, etc).

This position covers a National Market of potential customers.

Requirements

• Experience underwriting Hospitals, Nursing and Residential Care Facilities, Ambulatory Healthcare Services  and other Healthcare related business that accept Medicare and Medicaid.
• Bachelor degree in Accounting, Business, Economics or related discipline
• Minimum of three to five years’ experience in a credit/financial analyst role, underwriting role, or other directly related experience.
• Minimum of one year of leadership experience

Competencies

A thorough understanding of personal and business financial statements and tax returns, including concepts of Generally Accepted Accounting Principles (GAAP).  Proficient with Microsoft Office software  Experience with Moody’s Risk Analyst, Moody’s Credit Lens or similar financial spreading software.