DATE OF POSTING: July 29, 2008
GROUP/DIVISION, DEPARTMENT: GFSG/FCL Division, Leasing Credit Support
LOCATION: Minneapolis
REPORTS TO: Manager, Credit

Position Summary:

Develops credit-structuring alternatives for large account transactions.  Assists lending or leasing staff with managing the banking relationship with large accounts by providing credit analysis and financial structuring alternatives.  Approves credit actions within prescribed credit limits.  Provides leadership and guides the work of credit analysts.  Adds value to account relationships and supports the achievement of profitability and credit quality goals through interactions with staff and customers.

Knowledge and Skills:

Bachelor’s degree in business, finance or relevant discipline and 5-7 years credit experience in banking industry; or appropriate combination of education and experience.  Advanced knowledge of complex lending, financial structuring and credit arrangements, and bank products.  Advanced knowledge of credit and financial analysis, including cash flow analysis, balance sheet analysis, profitability, liquidity, and solvency analysis.  Advanced knowledge of Generally Accepted Accounting Principles (GAAP), taxation, legal forms of organizations, and business law.  Advanced knowledge of financial modeling techniques and preparation of pro forma financial statements.  Advanced knowledge of credit underwriting policies, procedures, processes, collateral valuation, and documentation.  Advanced ability to perform discounted cash flow analysis, capital budgeting (internal rate of return, net present value, etc.), and equity valuation calculations.  Knowledge of specific assigned industry, including key risks and long‑term issues.  Advanced ability to use spreadsheet, word processing, and database applications.  Excellent interpersonal, negotiation, presentation, oral and written communication skills.

Other Requirements:

Ability to use creativity and innovation to address financing issues.  Ability to consolidate many resources to complete the "deal."  Some travel required.