CREDIT ANALYST - COMMERCIAL
Gilbert Structural LLC, Minneapolis, MN, United States
Credit Analyst - Commercial
We are looking for a credit analyst to support our commercial lending teams. This position offers a great opportunity to grow in an employee‑focused culture with promotion from within.
Position Summary
The primary objective of a Commercial Credit Analyst is to assist the Commercial Lending team in protecting the financial assets of the company. The candidate uses independent judgement to investigate credit requests, coordinate credit reviews, and manage credit risk within the portfolio.
Accountable For
Analyzing financial data of clients/prospects
Preparing loan reviews and presentations on clients/prospects
Assisting in the sales process
Credit risk monitoring support
Responsibilities
Analyzing financial data of clients/prospects – 30%
Analyze client financial data, such as financial statements, financial ratios, credit reports, third‑party sources, and other data to assess credit worthiness.
Provide accurate information and sound judgments regarding commercial clients’ credit‑worthiness to Relationship Managers and decision‑makers.
Monitor current status and problems of assigned accounts, bringing significant problems to the account officer and other relevant parties with recommendations for action.
Assist with administration of financial statement tracking software.
Preparing loan reviews and presentations on clients/prospects – 30%
Proactively communicate with Relationship Managers and clients to obtain all information necessary to complete annual reviews and renewals on time.
Underwrite and present credit presentations while adhering to the bank’s credit policies and guidelines.
Support the credit department in planning and coordinating the commercial loan review and risk rating processes.
Assist with preparation and execution of facility documentation.
Provide assistance in the general administration of the commercial loan portfolio and proactively seek out and drive process improvements.
Assisting in the sales process – 25%
Perform pre‑call industry and company research and assist in the sales process.
Assist Relationship Managers in ensuring CRM is updated for clients and prospects.
Attend and participate in prospect meetings with Relationship Managers to help evaluate the credit worthiness of the business.
Credit risk monitoring support – 15%
Support the credit department in preparing reports on the quality and trends for both the commercial loan portfolio.
Monitor current status and potential risk elements of existing clients, communicate with clients to resolve issues, and bring significant items to the attention of the Relationship Manager with recommendations for action.
Recommend continuous improvement to the bank’s credit monitoring and reporting mechanisms.
Team Accountabilities
Delighting our customers
Giving our all
Creating a great place to work
Making improvements
Keeping us compliant
Supervision
This role does not have supervisory or other work direction responsibility over other employees.
Other Duties
This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
Requirements
Education, Experience and Skills
Bachelor’s degree in finance, accounting or related discipline
Proficient in MS Office products, particularly Excel
Previous banking experience a plus
Workload management: ability to effectively manage multiple projects and deadlines
Interpersonal skills: ability to establish and cultivate trusting professional working relationships
Communication: ability to express ideas and opinions clearly and directly, both verbally and in writing
Analytical skills: ability to collect and analyze data, draw sound conclusions, and formulate recommendations that address critical variables
Teamwork: ability to foster a shared sense of purpose, collaboration, and accountability for results
Innately curious: a hunger to learn and understand complex information
#J-18808-Ljbffr
We are looking for a credit analyst to support our commercial lending teams. This position offers a great opportunity to grow in an employee‑focused culture with promotion from within.
Position Summary
The primary objective of a Commercial Credit Analyst is to assist the Commercial Lending team in protecting the financial assets of the company. The candidate uses independent judgement to investigate credit requests, coordinate credit reviews, and manage credit risk within the portfolio.
Accountable For
Analyzing financial data of clients/prospects
Preparing loan reviews and presentations on clients/prospects
Assisting in the sales process
Credit risk monitoring support
Responsibilities
Analyzing financial data of clients/prospects – 30%
Analyze client financial data, such as financial statements, financial ratios, credit reports, third‑party sources, and other data to assess credit worthiness.
Provide accurate information and sound judgments regarding commercial clients’ credit‑worthiness to Relationship Managers and decision‑makers.
Monitor current status and problems of assigned accounts, bringing significant problems to the account officer and other relevant parties with recommendations for action.
Assist with administration of financial statement tracking software.
Preparing loan reviews and presentations on clients/prospects – 30%
Proactively communicate with Relationship Managers and clients to obtain all information necessary to complete annual reviews and renewals on time.
Underwrite and present credit presentations while adhering to the bank’s credit policies and guidelines.
Support the credit department in planning and coordinating the commercial loan review and risk rating processes.
Assist with preparation and execution of facility documentation.
Provide assistance in the general administration of the commercial loan portfolio and proactively seek out and drive process improvements.
Assisting in the sales process – 25%
Perform pre‑call industry and company research and assist in the sales process.
Assist Relationship Managers in ensuring CRM is updated for clients and prospects.
Attend and participate in prospect meetings with Relationship Managers to help evaluate the credit worthiness of the business.
Credit risk monitoring support – 15%
Support the credit department in preparing reports on the quality and trends for both the commercial loan portfolio.
Monitor current status and potential risk elements of existing clients, communicate with clients to resolve issues, and bring significant items to the attention of the Relationship Manager with recommendations for action.
Recommend continuous improvement to the bank’s credit monitoring and reporting mechanisms.
Team Accountabilities
Delighting our customers
Giving our all
Creating a great place to work
Making improvements
Keeping us compliant
Supervision
This role does not have supervisory or other work direction responsibility over other employees.
Other Duties
This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
Requirements
Education, Experience and Skills
Bachelor’s degree in finance, accounting or related discipline
Proficient in MS Office products, particularly Excel
Previous banking experience a plus
Workload management: ability to effectively manage multiple projects and deadlines
Interpersonal skills: ability to establish and cultivate trusting professional working relationships
Communication: ability to express ideas and opinions clearly and directly, both verbally and in writing
Analytical skills: ability to collect and analyze data, draw sound conclusions, and formulate recommendations that address critical variables
Teamwork: ability to foster a shared sense of purpose, collaboration, and accountability for results
Innately curious: a hunger to learn and understand complex information
#J-18808-Ljbffr