Credit Analyst - Exposure Management at Hartford Financial Services

Cedar Rapids, Iowa, United States

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Not SpecifiedCompensation

Mid-level (3 to 4 years), Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Financial Services, Equipment FinancingIndustries

Requirements

Bachelor’s degree in finance/accounting or related field
Credit experience with GreatAmerica or a similar position with another lender
Experience with Microsoft Office, Excel, and PowerPoint
Excellent analytical ability
Capability to process information quickly to reach appropriate decisions
Desire to learn
Good interpersonal skills to work with internal and external customers at all levels

Responsibilities

Perform duties and responsibilities as set out in their corresponding level of credit and policy authority
Identify recurring end users to proactively establish credit limits to streamline approval processes, either through lines of credit and/or High Exposure Reviews
Review recommendations made by business unit team credit analysts and make determination to grant credit approval
Track performance of high exposure end users and update records and/or documentation as warranted
Make informed decisions by analysis of financial statements, tax returns, industry data, and equipment/collateral data
As needed, work with Large Transaction Analysts to make educated and appropriate credit decisions on transactions and/or exposures above levels as set by the Business Units and Credit Vice Presidents
Assist with portfolio purchase credit review or other ad hoc credit processes as needed
Maintain high-level knowledge of customer programs within all business units
Mentor and coach less experienced credit personnel
Monitor outside market conditions and trends in relationship to GreatAmerica’s credit approach and portfolio

Skills

Key technologies and capabilities for this role

Credit AnalysisExposure ManagementFinancial StatementsTax ReturnsIndustry DataCollateral EvaluationRisk AssessmentPortfolio ReviewCredit Limits

Questions & Answers

Common questions about this position

What compensation and financial benefits are offered for this role?

The position offers competitive compensation, monthly bonuses for eligible employees, 401(k) with company match, annual profit sharing, and paid time off. Health and wellness benefits are also included based on eligibility.

Is this a remote position or does it require office work?

This information is not specified in the job description.

What skills and experience are required for the Credit Analyst role?

A Bachelor’s degree in finance/accounting or related field is required, along with credit experience at GreatAmerica or a similar lender. Key skills include excellent analytical ability, Microsoft Office/Excel/PowerPoint proficiency, quick decision-making, desire to learn, and strong interpersonal skills.

What is the company culture like at GreatAmerica Financial Services?

The company emphasizes exemplary customer service, a principle-centered business philosophy, and a team-based operating approach. Sharing rewards is integral to the culture, valuing hard work beyond the paycheck.

What makes a strong candidate for this Exposure Management Credit Analyst position?

Strong candidates will have a Bachelor’s degree in finance/accounting, prior credit experience with a lender, excellent analytical skills, proficiency in Excel and Office tools, and the ability to make quick decisions while mentoring others.

Hartford Financial Services

Insurance and financial services provider

About Hartford Financial Services

Hartford Financial Services provides insurance and financial products designed to protect individuals and businesses. Their offerings include various types of insurance, such as auto, home, and business insurance, as well as retirement and investment solutions. The company focuses on ensuring that clients are safeguarded against risks while also aiming to create a positive impact in the community. Unlike many competitors, Hartford Financial Services emphasizes a commitment to human achievement, striving to support clients in ways that extend beyond traditional insurance coverage. The goal of the company is to empower individuals and businesses to thrive by providing comprehensive protection and contributing to societal well-being.

Hartford, ConnecticutHeadquarters

1810Year Founded

$77.7MTotal Funding

N/ACompany Stage

Social Impact, Financial ServicesIndustries

10,001+Employees

Benefits

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

Paid Vacation

Paid Holidays

Hybrid Work Options

Remote Work Options

Tuition Reimbursement

Risks

AI-driven solutions like HOMEE increase competition in P&C insurance.

Beam Benefits' growth challenges Hartford's market position in employee benefits.

Superscript's funding may disrupt traditional insurance models Hartford relies on.

Differentiation

Hartford is recognized as one of the World's Most Ethical Companies.

The Hartford's critical illness insurance covers a wide range of health conditions.

Partnership with CAPE Analytics enhances Hartford's risk assessment with geospatial intelligence.

Upsides

AI-driven claims management adoption boosts efficiency in insurance processing.

Digital transformation with Beam Benefits simplifies employee benefits processes.

Geospatial intelligence from CAPE Analytics improves risk assessment and underwriting.

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