Corporate Finance
Junior Analyst - Finance, Planning, and
Administration
Responsibilities and Duties:
Prepare and review company's business plans and annual
budget
Analyze and summarize financing proposals
Assess the money and capital markets
Prepare industry competitive analysis
Gather, analyze, summariz and report relevant treasury
information
Develop sinking fund strategy for the retirement of company
bonds
Implement financial plans and policies that have been
approved by company
Financial Analyst - Revenue
Responsibilities and Duties:
Forecast future revenues and analyze past revenue
performances for budget planning
Forecast company revenue for 3 month period budget
planning
Report company revenue in forms that can be used by other
departments
Compare budgetary and actual revenue performance and
identify what caused variations
Acknowledge senior management of any revenue questions that
may arise
Financial Analyst - Capital Budgets
Responsiblities and Duties:
Ensure appropriate financial and accounting treatment for
capital and lease request
Gather, coordinate, and draw up data for the annual capital
budget
Compare actual and forecasted capital cash flows for
reports
Ensure compliance of corporate regulations
Analyze and summarize major capital budgets
Research to aquire further details on capital projects
Provide proper analysis and control before a project gets
approved
Provide detail analysis for all projects submitted for the
budget
Prepare and present quarterly report based on actual and
projected capital cash flows
Manager - Project Finance
Repsonsiblities and Duties:
Provide assistance to the issuane of new and the
refinancing of debt and equity to ensure timely completion of
projects
Preserve and keep-up a current knowledge of general
corporate financing methods
Work with or manage teams of lawyers, accountants and
investment bankers
Prepare analysis for any financings under management
contract
Provide assistance to other financing activities and
projects
Manager - Financial Planning
Responsibilities and Duties:
Analyze, develop and recommend system-wide financial goals
including capital structure, return on investment and dividend
policy to executive management
Conduct the performance of tactical and strategic planning
studies requested by management personnel
Provide financial informatin and recommendations of any
possible financial alternatives
Prepare financial impact analyses and recommend long-range
facilities to determine the most economically desirable and
feasible means of meeting energy and demand requirements
Observe, record and define assumptions and techniques used
in developing pro forma statements, analyses, and
recommendations, and communicate these to executive management
to further their understanding of the results
Analyze and evaluate the impact of economic developments
and projections
Provice assistance in corporate strategy development in
order to establish goals and objectives for the company and for
use in future financial projections
Monitor, maintain and document company's computerized
financial planning models and coordinate subsequent enhancement
and usage to make use of technological efficiency and maintain
as accurate and as state of the art model as possilbe
Vice President of Finance
Responsibilities and Duties:
Plan and execute corporate capital financing
requirements
Maintain a balanced capital structure
Monitor, assist, and review department's action in
obtaining long-term financing
Maintain positive relations with lenders and rating
agencies
Provide and maintain a capital budgeting and financial
planning system
Consolidate capital projection requirements with the credit
markets status and the company's capital structure
Arrange the activities of underwriters, lawyers, and
accountants in order to support a timely completion of the fund
raising activities
Maintain close relationships with all company lenders and
keep them informed of the company's goals and progress
Provide financial support for any contractual arrangements
made by the company
Direct and supervise pension fund assets and other special
projects
Investment/Financial Planning
Securities Analyst - Common Stock
Responsibilities and Duties:
Prepare companies and industries analysis to determine
appropration for common stock investments, potentials for
future growth; and assist in maintenence of portfolio
Monitor current tendency of common stock in the portfolio
to assure continued acceptability to company objectives
Evaluate alternative investment scenarios
Collect relevant information from divisional records,
outstide sources, and financial reports to obtain further
detail regarding a common stock
Summarize, recommend and present to senior officers and
investment committee of the collected information
Securities Analyst - Publicly Traded
Bond
Responsibilities and Duties:
Contiually review and evaluate publicly traded industrial
and utility bonds to ensure acceptability to company
standards
Provide recommendations for sales or additional purchased
of bonds
Analyze bids received for the purchase of public bonds,
consider their impacts, and suggest action to be taken
Review and evaluate corporate managments and prepare and
submit suggestions to senior investment officers
Compile periodic reports on the bond portfolio status for
the finance committee
Provide assistance for investment/research activities
Portfolio Analyst
Responsibilities and Duties:
Compile weekly and monthly company and industry reports for
internal use
Review other department reports
Evaluate qualifications of securities investment
Perpare and file necessary paperwork on loans and monitor
delinquent loans
Prepare for Finance Cmmittee annual and semi-annual
reports
Review and evaluate financial statements received on
portfolio credits
Maintain company portfolioo by suggesting specific course
of action
Manager-Pension Fund Investments
Responsibilities and Duties:
Determine the specific breakdown of pension fund
investments among asset types based on analysis aimed at
maximizing returns while maintaining liquidity
Select, supervise, and evaluate the investment managers and
negotiate compensation
Analyze large general corporate financing proposals and
recommend best financing "deals"
Obtain stock for the employees' stock bonus plans through
open market purchase or the new issue market
Recommend and implement amendments and revisions to trust,
investment manager, and consultant agreeements
Develop measurements and evaluation reports for monitoring
the performance of investment managers
Study, evaluate, and recommend new investment
opportunities, techniques, and practices
Conduct quarterly investment review meetings with
investment management of the pension funds
Represent the corporation at seminars and conferences to
maintain a high level of awareness of new developments and
changes in pension fund management and pension legislation
Undertake special assignments as requested by the VP
Account Executive (Securities Broker)
Responsibilities and Duties:
Advise and recommend clients about potential
investments
Represent clients in securities trading and execute trades
as ordered
Expand market through new contracts and clients
Serve as a middle-man between bookeeping and clients
Review and obtain information to stay current with several
markets and to learn new investment products
Banking and Financial Institution
General Credit Manager
Responsibilities and Duties:
Approve all extraordinary lines of credit, including those
that exceed delegated field authority
Visit key customers to maintain good commercial
relationships and determine financial liability
Work with appropriate division and field sales personnel to
coordinate and communicate terms of payment, credit decisions,
and disputed or uncollectible billings
Prepare monthly cash collection forecasts and monitor and
report daily cash receipts
Coordinate all legal matters pertaining to receivables
management with company outstide attorneys
Supervise the maintenance and safekeeping of special
customer records, files, reports, and general ledgers
Represent the company at financial professional association
meetings and seminars
Keep informed of legislation and changes in laws and
regulations which affect financing, credit and collection
policies and procedures
Direct Loan Analyst
Responsibilities and Duties:
Evaluate the financial condition and performance of
existing and potential borrowers based upon their
profitabilities, cash flows, and leverages
Assess quantitatively the expected return on potential
investments
Maintain a close relationship with investment bankers to
get a flow of acceptable offerings
Review and evaluate common stock warrant holdings in
connection with loan agreements and modify existing agreements
if necessary
Provide assistance in problem loan workouts by analyzing
financial soundness of companies
Train lower level staff
Senior Banking Analyst
Responsibilities and Duties:
Project short-term debt sschedule for financing
requirements
Project the required compensation balances for bank
services
Research various financing possibilities regarding their
economic advantages
Plan shifts in cash balances to gain advantageous rates on
investments or lower rates on borrowings
Participate in arrangements with dealers and/or banks for
short-term borrowings, roll overs or maturities
Participate in arrangements with dealers and/or banks for
short-term investments of company funds and funds of subsidiary
companies
Review the major parameters of all bank accounts maintained
to relate the actual condition of the accounts to the
objectives desired
Prepare summary reports of the changing cash position and
money market conditions
Prepare reports highlighting current financial events
Update listings of securities bought and sold during the
period
Corporate Banking Officer
Responsibilities and Duties:
Maintain and develop existing and new clients relationships
by differentiating its existing services and through products
innovation
Recognize opportunities for all services provided by banks
such as pension management, foreign exchange and interest rate
risk management, credit management, etc.
Perform administrative follow-up on overdrawn deposit
accounts, loan documents, rate information, memo writing for
credit approvals, credit analysis, etc.
Bring in the appropriate specialists to discuss technical
products with clients
Stay current with the technical aspects of new
products
Get to know customers better through personal calls
Review files and annual reports
Vice President-Credit Policy, Financial
Analysis Department
Responsibilities and Duties:
Analyze credit exposure of the bank in real estate and
construction industries
Write fee projects for bank customers
Supervise and review the work of other analysts
Read, research and analyze financial statements
Make presentations of findings within the bank and to
customers
Analyze, value and rate (using the bank's own credit rating
system, a system which has some parallels with the public
agency rating system) the securities of various firms to
customers of the bank
Real Estate
Mortgage Analyst - Production
Responsibilities and Duties:
Negotiater terms, conditions, interest rates, etc to obtain
a flow of acceptable applications for conventional loans and
opportunities to purchase real estate
Analyze client's financial status and past performance,
type of property, nature of offer, property location,
facilities and access, and competition
Inspect property under consideration
Prepare detailed analyses of propsed loan or purchase and
recommend action on offerings
Prepare mortgage committee memoranda in conjunction with
supervisor and present recommendations to the officer in charge
or the mortgage committee
Prepare committment letters on those investments which have
been approved by the committee
Assist in the negotiation of the final commitment terms and
conditions
Work with clients to help resolve problems which may
jeopardize company's right under a mortgage
Prepare correspondence on all aspects of application
processing
Mortgage Analyst - Closing
Responsibilities and Duties:
Responsible for coordinating all loan closing details on
mortgage loan commitments on a timely basis
Obtain required closing documents such as operating
agreements, title reports, leases, appraisals, plans, and
specifications
Analyze closing documents and related exhibits to insure
that details are in agreement with the original commitment
terms
Submit plans, specifications, and appraisals
Consult with the real estate production section on
interpretation of requirements set forth in original commitment
letters where discrepancies or problems appear to exist
Reconcile discrepancies/problems with clients
Evaluate requests for changes in or variances from,
commitment terms including requests for midification, loan
increases, lease substitutions, substitution of liability,
etc.
Analyze requestors' financial status, type of property,
location, past performance, to determine if proposed
modifications to commitment terms make good business sense and
the nature of their impact on the company's financial
position
Ascertain whether a particular business decision is
compatible with legal requirements
Inspect exterior and interior of properties prior to all
loan closings to insure that all physical requirements
Negotiate changes in conditions and closing details with
clients
