Senior Analyst, Tailored Lending - RJ Bank

Job Summary

Job Summary

The Tailored Lending team leads the firm’s efforts in creating customized lending solutions for high-net worth (HNW) and ultra-high net worth (UHNW) clients to meet liquidity needs without disrupting long-term financial plans.  Under the supervision of senior members of the Tailored Lending team, the Senior Loan Analyst will have intermediate knowledge and skills obtained through formal education and/or work-related experience to assist in the end-to-end servicing of Tailored Lending applications.  This involves a wide array of responsibilities including financial analysis/modeling, underwriting, structuring, client due diligence, portfolio management, and KYC/CIP responsibilities, among others.  The Senior Loan Analyst will take an active role in the credit approval process, collaborating with internal partners and firm clients to originate new loans, modify existing loans, and perform annual reviews on the portfolio, all while maintaining a high level of client service.  The Senior Loan Analyst will analyze complex, high value situations, or problems to which there are several alternative approaches, and work in tandem with senior members of the team to ensure the most appropriate solution is delivered.  The ideal candidate will work with a high level of autonomy and is, along with more senior members of the team, accountable for ensuring the quality and reliability of work performed.

Essential Duties and Responsibilities

Essential Duties and Responsibilities

·         Assists in the underwriting process for Tailored Lending transactions, primarily by analyzing client financial statements, determining loan profitability, modeling estimated loan loss reserves, drafting credit memos, and offering input to Senior Loan Officers on loan structure.  Also assists in the underwriting of affiliate transactions including margin loans and other fixed income transactions.

·         Analyzes tax returns, financial statements and produces a thorough analysis of these documents and any other financial disclosures provided by clients.

·         Reviews and produces a thorough analysis of proposed collateral for acceptance in connection with Tailored Lending transactions.

·         Establishes strong relationships and gains the trust of Financial Advisors, Banking Consultants, and high-net-worth clients of the firm. 

·         Educates Financial Advisors and clients alike on various Tailored Lending transaction types and all related documentation requirements.

·         Runs negative news screenings on clients/prospects, reviews results, and assists in determining significance.

·         Pulls credit reports and other AML related documentation required while evaluating Tailored Lending transactions.

·         Assists in the collection and tracking of financial statements, covenant reporting, and other documentation related items.

·         Performs annual reviews on transactions with supervision from Senior Loan Officers

·         Ensures compliance with Raymond James Bank, state, and federal guidelines.

·         Maintains knowledge of Raymond James Bank loan policies, including Tailored Lending, Securities Based Lending and all other relevant policies and procedures.

·         Interacts professionally with associates and Financial Advisors to provide professional client service upholding the Service 1st philosophy.