Loan Analyst

Vintti stands at the forefront of economically advantageous staffing solutions for US businesses. By facilitating partnerships between American companies and Latin American professionals, we offer a pathway to reduced operational costs without sacrificing quality. Our approach enables businesses to reinvest savings into core areas, fostering growth and enhancing overall market competitiveness.

A Loan Analyst plays a crucial role in the financial sector by evaluating, authorizing, and recommending approval of commercial, real estate, or credit loans. This role involves analyzing loan applications and financial data to assess the creditworthiness of potential borrowers. Loan Analysts are responsible for interpreting and evaluating credit bureau reports, financial statements, and other financial information to determine the risk involved in lending. They must ensure compliance with lending policies and regulations, and often interact with clients to gather information, clarify details, and communicate decisions. This position requires strong analytical, communication, and decision-making skills to support sound financial lending practices.

- Bachelor's degree in Finance, Business, Economics, or a related field
- Proven experience as a Loan Analyst or similar role in the finance industry
- Strong understanding of loan processes, financial analysis, and credit evaluation
- Proficiency in financial analysis software and loan management systems
- Excellent mathematical and analytical skills
- High attention to detail and accuracy
- Effective communication and interpersonal skills
- Ability to interpret and apply complex financial data
- Knowledge of regulatory guidelines and lending standards
- Strong organizational and time-management abilities
- Ability to work independently and collaboratively in a team environment
- Problem-solving skills and the ability to make informed decisions
- Ability to handle sensitive and confidential information with discretion
- Proficiency in MS Office, particularly Excel and Word
- Prior experience with loan portfolio performance analysis is a plus
- Strong ethical standards and professional integrity
- Ability to mentor and train junior staff members
- Familiarity with market research techniques for competitive interest rates and terms
- Willingness to stay updated with industry trends and regulatory changes

- Analyze loan applications and supporting documentation
- Evaluate borrowers' financial information, credit history, and scores
- Assess risk and determine loan eligibility
- Communicate with applicants for additional information and clarifications
- Prepare loan summaries and reports for approval committees
- Verify accuracy and completeness of loan files
- Coordinate with underwriters and loan department personnel
- Conduct market research on interest rates and terms
- Input and update loan information in database systems
- Monitor and track the status of loan applications
- Ensure compliance with policies, guidelines, and standards
- Respond to inquiries regarding loan processes and requirements
- Assist in developing and implementing new loan products
- Recommend adjustments to loan terms and conditions
- Identify and report potential loan fraud or irregularities
- Provide training and support to junior analysts and staff
- Participate in team meetings to discuss loan statuses and updates
- Perform analysis of loan performance and portfolio trends
- Maintain accurate loan files and records
- Assist with internal and external loan processing audits

The ideal candidate for the Loan Analyst position will possess a Bachelor's degree in Finance, Business, Economics, or a related field, along with proven experience in a similar role within the finance industry. They will have a robust understanding of loan processes, financial analysis, and credit evaluation, demonstrating proficiency in financial analysis software and loan management systems. This individual will exhibit exceptional mathematical and analytical skills, with a high level of attention to detail and accuracy, ensuring the integrity of all loan assessments. Strong communication and interpersonal skills are essential, as they will interact with applicants, colleagues, and approval committees to gather information and present detailed loan summaries and reports. The ideal candidate will have the ability to interpret and apply complex financial data, coupled with comprehensive knowledge of regulatory guidelines and lending standards. They will be well-organized, capable of managing their time effectively, and adept at working both independently and collaboratively within a team environment. The candidate will showcase excellent problem-solving skills and the ability to make informed decisions based on thorough analysis. They will handle sensitive and confidential information with utmost discretion and possess strong ethical standards and professional integrity. Familiarity with market research techniques and a proactive approach to identifying and mitigating risks are crucial. Moreover, they will demonstrate strong mentoring and leadership abilities, providing training and support to junior staff, and will remain adaptable to changing regulations and industry trends. A commitment to ongoing professional development and a proactive stance towards learning and innovation will set them apart as the perfect fit for this role.

- Review and analyze loan applications and supporting documentation
- Evaluate borrowers' financial information, credit history, and credit scores
- Assess risk and determine eligibility for loans based on established criteria
- Communicate with applicants to gather additional information and clarify details
- Prepare detailed loan summaries and reports for loan approval committees
- Assess the accuracy and completeness of loan files
- Coordinate with underwriters and other loan department personnel
- Conduct market research to determine competitive interest rates and terms
- Input and update loan information in database systems
- Monitor and track the status of loan applications through the review process
- Ensure compliance with company policies, regulatory guidelines, and lending standards
- Respond to inquiries from clients and colleagues regarding loan processes and requirements
- Assist in developing and implementing new loan products and services
- Recommend adjustments to loan terms and conditions as necessary
- Identify and report potential loan fraud or irregularities
- Provide training and support to junior loan analysts and staff
- Participate in team meetings to discuss loan statuses and policy updates
- Perform analysis of loan performance and portfolio trends
- Create and maintain accurate loan files and records
- Assist with internal and external audits related to loan processing

- Detail-oriented and meticulous
- Strong analytical and critical thinking skills
- Excellent communication and interpersonal abilities
- High levels of integrity and ethical standards
- Strong problem-solving capabilities
- Effective time management and organizational skills
- Ability to work both independently and collaboratively
- Proficient with financial analysis software and tools
- Adaptable to changing regulations and industry trends
- Empathy and understanding when dealing with clients
- Ability to handle confidential information discreetly
- Proactive in identifying and mitigating risks
- Clear and concise in report preparation and presentation
- Strong mentoring and leadership abilities for junior staff
- Comfortable with complex data interpretation and decision-making
- Creative in developing solutions and loan products
- Technologically adept with a penchant for learning new systems
- Committed to ongoing professional development and learning

- Competitive salary range
- Health, dental, and vision insurance
- Retirement savings plan (401k) with company match
- Paid time off (PTO) and holidays
- Flexible working hours
- Remote work options
- Professional development opportunities
- Tuition reimbursement programs
- Employee wellness programs
- Life insurance and disability coverage
- Career advancement pathways
- Performance-based bonuses
- Employee assistance programs (EAP)
- Parental leave benefits
- Commuter benefits
- Company-sponsored networking and training events
- Gym membership discounts
- Inclusive and supportive work culture
- Access to financial planning services
- Employee recognition programs