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Commercial Credit Analyst

Posted: 12/21/2021

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RESPONSIBILITIES

  • Soundly apply the bank’s credit culture and credit policies; is considered a policy expert
  • Use independent judgment and critical thinking in the compilation of key financial data for the accurate representation of credit risk in loan requests including global cash flow analysis, collateral analysis, industry analysis, management analysis, and overall repayment capacity
  • Independently complete underwriting in accordance with current regulations, compliance terms, bank policy, and legal requirements
  • Accept credit requests directly from borrowers; make initial decision with regard to declination or proceeding in the credit request process
  • Recommend appropriate risk grade, supporting the grade with risks, mitigants, and strengths
  • Considered a valuable resource for the credit write-up/template and tax return analysis
  • Proactively assist the Commercial Lenders in portfolio management functions including seeking out and assisting in the annual review process, loan review preparation, and in regulatory examinations; may manage said processes and examinations
  • Spread financial statements and tax returns and analyze historical performance; review proformas for reasonableness
  • Develop appropriate loan covenants to provide advance warning of potential credit risk and mitigate losses; develop proper loan structures
  • Assist in the training of junior analysts as needed; may manage a small group of other credit analysts or related positions
  • Review and analyze appraisals for market, credit, construction, and economic risks
  • Understand more complicated loan documents; assist Commercial Lenders in working with outside legal counsel to prepare and execute loan documentation
  • Participate in customer meetings; independently inspect properties; prepare customer communication on behalf of the Commercial Lender; handle simple loan closings for the Commercial Lender; work with customers in obtaining updated financial statements
  • Assist Commercial Lenders with presenting loan requests to approvers, Senior Lenders, and Loan Committee as needed; attend and participate in other meetings; may present credit requests on behalf of Commercial Lenders
  • Obtain, analyze, and incorporate third-party borrower information (e.g., credit reports); research inconsistencies
  • Maintain data integrity
  • Prepare pertinent reports, track financial information and receipt thereof
  • Work with the Commercial Lender on classified assets and reporting thereof
  • Other duties and projects as assigned
DESIRED KNOWLEDGE, SKILLS AND ABILITIES
  • 2+ years in a commercial credit underwriting environment
  • Demonstrated critical thinking
  • Excellent organizational skills, strong analytical skills, problem solving skills, and the ability to focus on details while working toward the big picture
  • Superior verbal and written communication abilities
  • Comfortable and respectful working with customers and all levels of individuals of the bank; provide superior customer service (internally and externally)
  • Accuracy and attention to detail is required
  • Proficient in the Microsoft Office Suite
  • Well-developed interpersonal skills with the ability to reach agreements for a win-win
  • Ability to independently prioritize, execute, and complete tasks with varying deliverables, complexities, and deadlines
  • Demonstrated knowledge and applied use of financial statements and complex tax returns is required
  • Takes initiative, drives for results, and makes sound judgments
SCHEDULE
Office hours are Monday through Friday 8 am to 5 pm. As a full-time salary exempt position, 40 hours are required. Additional time may be necessary based on customer and bank needs. 

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