12 days old

Credit Officer - Healthcare Equipment Finance

Malvern, PA 19355
The Risk Management group of Siemens Financial Services - Commercial Finance is
seeking an Underwriter to process mid-ticket transactions. You will
support the healthcare business unit with primary focus on evaluation of hospitals,
out-patient imaging centers and physician practices seeking financing for Siemens
as well as 3rd party vendor equipment.
Your primary function will be to prepare rating and lending reports in
support of new business from the sales team. You will report into the Front-End Underwriting Team Leader located at the SFS Malvern, PA. office.

**Your essential job functions are as follows** :

+ Gather information from (prospective) customers and industry sources withrespect to proposed finance transactions, including but not limited to D&B,Paynet and personal credit reports.

+ Review and analyze customer financial statements and tax returns.

+ Prepare Credit and Risk Rating Reports for proposed transactions.

+ Establish customer borrowing limits and structure higher risk transactions, asneeded.

+ Stay abreast of health care industry trends and developments.


+ Analyze mid ticket transactions in the healthcare sector. Analysis will include financialassessment and risk rating, debt capacity analysis, business model assessment,business plan analysis, sensitivity analysis, risk analysis, impact of documentnegotiations upon risk, and other analysis as the transaction dictates.

+ Review and interpret external rating agency reports.

+ Spread and analyze customer financial statements.

+ Prepare Credit and Risk Rating Reports.

+ Conduct in person and phone credit due diligence.

+ Interact with and support sales colleagues and management.

+ Work closely with Lease Administration and the Legal Department on documentationissues.

+ Provide assistance and complete tasks and project as needed and as the RiskDepartment may require. Maintain data integrity and compliance with company policies and procedures.

+ Communicate credit decisions to internal and contacts.

+ Update and maintain key customer information including financial information andlending limits.

**Required Knowledge/Skills, Education, and Experience**

+ BA or BS degree in finance, business or a related field.

+ Minimum of 5 years of small ticket and/or middle market credit underwritingexperience in a commercial (non-consumer) banking or leasing companyenvironment specializing in healthcare financing.

+ Ability to work independently and to make logical and confident lendingrecommendations and decisions.

+ Good interpersonal/communication skills and ability to develop, and maintaingood internal and external customer relationships.

+ Proficiency with MS Office applications (e.g. Excel, Word, Powerpoint, etc.).

+ Strong technical writing skills. Ability to present information in a concise, logicalmanner to support credit decisions and recommendations to seniormanagement.

+ Travel requirement is less than 10%.

**Preferred Knowledge/Skills, Education, and Experience**

+ Formal bank training in Lending/Cash Flow.

+ Experience in negotiating terms and conditions of transactional documents.

+ Experience with start-up projects in out-patient health care market.


**Organization:** Financial Services

**Company:** Siemens Financial Services, Inc.

**Experience Level:** Mid-level Professional

**Job Type:** Full-time

**Equal Employment Opportunity Statement**

Siemens is an Equal Opportunity and Affirmative Action Employer encouraging diversity in the workplace. All qualified applicants will receive consideration for employment without regard to their race, color, creed, religion, national origin, citizenship status, ancestry, sex, age, physical or mental disability, marital status, family responsibilities, pregnancy, genetic information, sexual orientation, gender expression, gender identity, transgender, sex stereotyping, protected veteran or military status, and other categories protected by federal, state or local law.

**EEO is the Law**

Applicants and employees are protected under Federal law from discrimination. To learn more, Click here at https://www.dol.gov/ofccp/regs/compliance/posters/ofccpost.htm .

**Pay Transparency Non-Discrimination Provision**

Siemens follows Executive Order 11246, including the Pay Transparency Nondiscrimination Provision. To learn more, Click here at https://www.dol.gov/ofccp/pdf/pay-transp_formattedESQA508c.pdf .

**California Privacy Notice**

California residents have the right to receive additional notices about their personal information. To learn more, click here at https://new.siemens.com/us/en/general/legal/us-internet-privacy-notice-state-rights.html .


Posted: 2020-02-07 Expires: 2020-03-11

Before you go...

Our free job seeker tools include alerts for new jobs, saving your favorites, optimized job matching, and more! Just enter your email below.

Share this job:

Credit Officer - Healthcare Equipment Finance

Malvern, PA 19355

Join us to start saving your Favorite Jobs!

Sign In Create Account
Powered ByCareerCast