Job highlights
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Qualifications
Bachelor's Degree in business related field or considered but acceptable alternative field or candidates earning their bachelor's degree within 18 months will be considered but must complete their degree within that timeframe from their start date
0-2 years as a credit analyst required
Involved in the analysis of complex credits in both corporate lending and commercial real estate, in order to progress to the next Credit Product Analyst level required
Must have good accounting skills developed through formal college undergraduate courses (through intermediate accounting) or through acceptable alternative means such as AIB
Have demonstrated good credit judgment
Benefits
Working for BankUnited offers you exciting challenges and opportunities to advance your professional development, while empowering you to deliver and be your best
Responsibilities
Specifically, retail branches operate 5 days a week Monday - Friday, excluding evening and/or weekend hours
SUMMARY: Prepares spreads and other preliminary financial analysis
May support in renewal and annual reviews of existing loans in the Corporate portfolio
Ensures credit quality is maintained through identification of key risk factors associated with each loan and determines if those factors are mitigated; analyzes the viability of the repayment sources; assesses the appropriateness of the current loan grade; and reviews the prior and conditional approval and all loan documents to ensure the borrowers' compliance with the terms of the loan
Other duties and special projects may be assigned
Works closely with the managers and officers of the supported line of business production units (Corporate Lending, Specialty Lending, Commercial Lending, CRE, Bridge Funding, etc.)
to determine on-going priorities for loans under analysis
Makes modifications to priorities as appropriate with the input of their supervisor
Maintains an up to date pipeline which details the status of all loans under analysis
Prepares credit analysis reports with complexity being comparable to their level of experience from simple transactions (for CPA I) to the largest and most complex lending relationships in the bank (for CPA III)
This includes recommendations as to modified structure or collateral, and if warranted, recommending that the loan not be renewed or downgraded
Determines key risk factors for assigned loans and whether or not these are appropriately mitigated
Prepares financial statement spreads for officers in supported units to help them evaluate credit proposals in their early stage
Ensures compliance with Sarbanes-Oxley related matters
Participates in, and may have leadership roles in, ad hoc project assignments as made by the Director of Credit Products, Senior Credit Products Manager, or Credit Products Manager
SENIOR LEVEL RESPONSIBILITIES: Assists in the training and development of Credit Products Analyst trainees
Will be assigned loans of the highest complexity
May have leadership role in ad hoc project assignments
Adheres to and complies with applicable, federal and state laws, regulations and guidance, including those related to anti-money laundering (i.e
Adheres to Bank policies and procedures and completes required training
Identifies and reports suspicious activity
Job description
Who We Are

BankUnited (NYSE: BKU) is a national bank headquartered in Miami Lakes, Florida with banking centers in Florida, the New York metropolitan area, Dallas and Atlanta. BankUnited has two subsidiaries, Pinnacle Public Finance headquartered in Scottsdale, Arizona and Bridge Funding Group headquartered in Hunt Valley, Maryland. We pride ourselves on our entrepreneurial and collaborative culture encompassing the best minds, the brightest talent and the boldest decision makers.

BankUnited is honored to announce that we have been included on the Newsweek and Statista America's Most Trusted Companies Award List!

BankUnited has been recognized by Newsweek for two outstanding awards in 2023 as one of America's Greatest Workplaces and as one of America's Greatest Workplaces for Job Starters, which acknowledges our commitment to creating an exceptional workplace.

Our Culture

At BankUnited, we foster a diverse and inclusive environment where all employees have the opportunity to advance, grow and achieve their goals. Our rally cry is to GO FOR MORE™, a call to action to go above and beyond to provide the best customer experience to every client and to GO FOR MORE in your career.

Why BankUnited

Working for BankUnited offers you exciting challenges and opportunities to advance your professional development, while empowering you to deliver and be your best. We are happy to report the average tenure according to LinkedIn insights is 8.3 years. We strive to provide a competitive benefits plan to our employees and are proud to have been nationally ranked #1 as one of the 2023 Healthiest 100 Workplaces in America by Springbuk and awarded HEALTHIEST EMPLOYER by the South Florida Business Journal since 2020.

As a company, we believe we are only as successful as our people and are committed to providing training and innovative resources that prepare you to reach your full potential. That's why in addition to tuition reimbursement, we provide our employees with exciting career coaching, courses and training through our own GO FOR MORE™ Academy and mentoring opportunities through our iCARE™ (Inclusive Community of Advocacy, Respect and Equality) program.

At BankUnited, we strive to provide our employees with a work life balance. Specifically, retail branches operate 5 days a week Monday - Friday, excluding evening and/or weekend hours. For many of our positions, we offer a hybrid work environment, as well as a remote work environment for designated positions.

If you thrive in a fast-paced collaborative work environment, Apply Now and start your journey with BankUnited today!

Job Description

SUMMARY: Prepares spreads and other preliminary financial analysis. May support in renewal and annual reviews of existing loans in the Corporate portfolio. Ensures credit quality is maintained through identification of key risk factors associated with each loan and determines if those factors are mitigated; analyzes the viability of the repayment sources; assesses the appropriateness of the current loan grade; and reviews the prior and conditional approval and all loan documents to ensure the borrowers' compliance with the terms of the loan.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties and special projects may be assigned.
• Works closely with the managers and officers of the supported line of business production units (Corporate Lending, Specialty Lending, Commercial Lending, CRE, Bridge Funding, etc.) to determine on-going priorities for loans under analysis. Makes modifications to priorities as appropriate with the input of their supervisor.
• Maintains an up to date pipeline which details the status of all loans under analysis.
• Prepares credit analysis reports with complexity being comparable to their level of experience from simple transactions (for CPA I) to the largest and most complex lending relationships in the bank (for CPA III). This includes recommendations as to modified structure or collateral, and if warranted, recommending that the loan not be renewed or downgraded.
• Determines key risk factors for assigned loans and whether or not these are appropriately mitigated.
• Prepares financial statement spreads for officers in supported units to help them evaluate credit proposals in their early stage.
• Ensures compliance with Sarbanes-Oxley related matters.
• Participates in, and may have leadership roles in, ad hoc project assignments as made by the Director of Credit Products, Senior Credit Products Manager, or Credit Products Manager.
• SENIOR LEVEL RESPONSIBILITIES: Assists in the training and development of Credit Products Analyst trainees. Will be assigned loans of the highest complexity. May have leadership role in ad hoc project assignments.
• Adheres to and complies with applicable, federal and state laws, regulations and guidance, including those related to anti-money laundering (i.e. Bank Secrecy Act, US PATRIOT Act, etc.).
• Adheres to Bank policies and procedures and completes required training.
• Identifies and reports suspicious activity.

EDUCATION

Bachelor's Degree in business related field or considered but acceptable alternative field or candidates earning their bachelor's degree within 18 months will be considered but must complete their degree within that timeframe from their start date

EXPERIENCE
• 0-2 years as a credit analyst required
• Involved in the analysis of complex credits in both corporate lending and commercial real estate, in order to progress to the next Credit Product Analyst level required

KNOWLEDGE, SKILLS AND ABILITIES
• Must have good accounting skills developed through formal college undergraduate courses (through intermediate accounting) or through acceptable alternative means such as AIB
• Have demonstrated good credit judgment