M Bank Work Values

Daily Duties at M Bank:

As Relationship Manager: Originated commercial loans, predominantly C & I and CRE, SBA 504 and 7(a) government guaranteed loans. Analyzed construction budgets and administer disbursements during the construction phase. Participated in formulation and execution of targeted marketing programs to elevate credit quality and minimize risk in the loan portfolios. Completed credit analysis on all credits, authored credit memorandums of all types and made presentations to loan committee. Approved credit requests within delegated authority and closed all loans. Produced an average of $1.5MM in new business per month. Acquired working knowledge of Tax Increment Financing, LIHTC and URA projects. Periodically reviewed assets to insure that risk rating assigned were accurate and adjustments made in timely manner. Collected past due loans when necessary and re-structured credits as needed. Participated at the officer level with various business groups and civic organizations to network and create positive PR for the bank. As Special Credits Officer: Created and managed the bank’s Special Assets Department. Collected, restructured or liquidated all Substandard assets assigned within acceptable timeframes. Acted as Litigation, Foreclosure and Bankruptcy Specialist and liaison to attorneys representing the bank in litigation and mediation. Responsible for compiling and submitting all monthly board reports from Credit Administration. Assisted with the formulation of changes and additions to bank policy and procedures. Performed property inspections, ordered all appraisals, managed the foreclosure pipeline and performed appraisal review. Assisted real estate brokers with the marketing and sale of ORE properties by negotiating the release of tax, nuisance and second trust deed liens.

What they like about M Bank:

A hiring company that offers alternative approaches to pay, performance bonuses, and/or equity in the firm is very attractive to you. You're generally less interested in working for an organization offering only traditional, salary-based compensation, one with limited opportunity to acquire equity in the firm, or one that does not actively promote skill development. In addition, you are more likely to choose a company that offers a variety of internal career options, with defined career paths. You view the learning of new skills and development of your expertise as key to your career advancement. These aspects of an organization may become even more important to you as you progress in your field, and are especially critical if you change career or occupation.

Tags

asset manager, loan workout specialist, senior credit analyst, credit examiner , underwriter , credit administrator , Ethical, Financial, Financial Statement, Due Diligence

Skills

Financial, Financial Statement, Due Diligence

These are some of the questions we asked our climbers about their experiences with M Bank: