Credit Analyst - SMG Franchise at Hartford Financial Services

Cedar Rapids, Iowa, United States

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Not SpecifiedCompensation

Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Financial Services, Equipment Financing, FranchiseIndustries

Requirements

Bachelor’s degree with a major or minor in Finance, Accounting, Economics, or related field
Demonstrated interpersonal skills
Excellent analytical ability, ability to make independent decisions, and process information quickly
Understanding of financial statements and tax returns
Experience in Franchise lending required

Responsibilities

Perform direct and thorough investigation and obtain relevant credit information to formulate credit decisions within established risk tolerances and prescribed time frames, providing written analysis and justification for the decision
Review, spread, and analyze financial statements and/or tax returns as applicable with emphasis on global cash flow analysis
Utilize credit bureaus and review personal financial statements and/or tax returns as needed to evaluate personal guarantor’s creditworthiness
Underwrite small-ticket and moderately complex six-figure commercial credit applications with a primary focus on the Franchise industry, including equipment packages, remodel, new build, and acquisition financing scenarios
Support transactions within other Specialty Markets divisions as needed

Skills

Key technologies and capabilities for this role

Credit UnderwritingFinancial Statement AnalysisTax Return ReviewCredit ReportsRisk ManagementCommercial CreditFranchise Financing

Questions & Answers

Common questions about this position

What education is required for the Credit Analyst position?

A bachelor’s degree with a major or minor in Finance, Accounting, Economics, or related field is required.

Is experience in Franchise lending necessary for this role?

Yes, experience in Franchise lending is required.

What are the key skills needed to succeed as a Credit Analyst here?

You'll need demonstrated interpersonal skills, excellent analytical ability, the ability to make independent decisions quickly, and an understanding of financial statements and tax returns.

What is the company culture like at GreatAmerica Financial Services?

The company emphasizes a principle-centered business philosophy, team-based operating approach, exemplary customer service, and sharing rewards as an integral part of the culture, valuing hard work beyond the paycheck.

What makes a strong candidate for the Credit Analyst role?

Strong candidates are eager to influence their own development, maintain a 'can do' attitude, respond well to challenges, excel at thinking on their feet, and make prudent decisions.

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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