Business Development Specialist II (Credit Analyst)

City of South Bend

Company Overview: South Bend is the economic, educational, media, and cultural hub of a multi-county region spanning the Michigan-Indiana border. It's the fourth-largest city in Indiana with over 100,000 residents. South Bend's flourishing collegiate community and burgeoning tech industry have built upon the foundation of the city's industrial past to create a vibrant present and a promising future. The city's 14 institutions of higher learning, including the internationally renowned University of Notre Dame, infuse South Bend with creative energy in the arts, business, and technology.
Industry: Government
227 W. Jefferson Blvd.
South Bend, IN 46601

Job Description:


The Business Development Specialist II (Credit Analyst) assists in protecting the financial assets of the City within the DCI Office. The desired candidate will use discretion and independent judgment to investigate credit granting, analyze loan application packages, and review legal documents. The ideal candidate requires self-motivation, must prioritize effectively, and work successfully with minimal supervision. This role is a customer-serving role, and while it does not solely focus on collections, does include collections responsibilities.

Job Requirements:


This list represents the types of duties required by the position. Other duties may be assigned as reasonably expected.
• Meets with prospective loan applicants in the office or at their business locations and coordinates collection of necessary documentation to provide small business financing.
• Evaluates client information and performs credit analysis, including interpretation of financial information, preparation of cash flow projections and pro-forma financial statements.
• Assists with packaging of business loan applications for small business clients.
• Structures financing packages to match potential borrower needs using matching sources and uses of funds as well as repayment terms.
• Assists with drafting of loan closing documents and may attend and monitor loan closings.
• Assists in securing title insurance, title searches, surveys, appraisals, UCC filings and related items in relation to loan closing and/or loan monitoring.
• Monitors loan files for compliance with loan covenant items and ensures against expiring UCC’s, insurance certificates, etc.
• Analyzes and conducts systematic annual loan reviews to ascertain adequacy of credit quality and loan documentation and compliance with established policies.
• Attends and completes training classes and courses, primarily out of town.
• Assists in establishing loan monitoring policies and strategies for the SB RLF II related to loan monitoring issues.


• Assumes additional responsibilities as directed or as delegated.


To perform this position successfully, an individual must be able to perform each essential duty in a satisfactory manner. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


• Bachelor’s degree required; concentrations in Accounting, Finance or Business preferred.
• Five (5) years experience preferred or equivalent experience in a related field preferred.
• Prior credit and collections experience preferred.


• Excellent verbal and written communication skills.
• Experience in credit and collections.
• Negotiation skills.
• Microsoft Office Suite software (proficiency with Excel a must).
• Detail oriented.
• Excellent math skills.
• Must be a self-starter who can handle a heavy volume of work and be able to handle multiple tasks at the same time.
• Able to solve problems.
• Ability to maintain a pleasant personality under stress.


• Valid Driver’s License required.


Desktop and laptop computer; telephone, fax machine, copier, scanner, Adobe Software Suite, Microsoft Office Suite, and other equipment typically found in an office environment.


The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is frequently required to sit and walk, and talk or hear. The employee is occasionally required to walk; use his/her fingers, handle or feel objects, tools or controls; and reach with hands and arms. The employee must occasionally lift and/or move up to 50 pounds. Specific vision abilities required in this job include vision and the ability to adjust focus.


The work is performed in a typical office environment, as the employee is required to sit for prolonged periods using a computer keyboard, mouse and monitor. Work may be performed indoors and outdoors. Conditions indoors will be in a temperature-controlled environment. The entire office is smoke free. While working outdoors, the employee may be exposed to changing weather conditions. Occasional work outside of standard office hours may be required. There is a potential for exposure to graphic and/or disturbing information and imagery.


Pre-employment drug screen

Skills/Keywords: Finance, accounting, business
Compensation: $55,000 - $65,000

To Apply for this position:

Visit the City of South Bend's employment page:

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