Commercial Credit Analyst

This role is not eligible for sponsorship

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

Maintain awareness of and adherence to Bank's compliance requirements and risk management concepts, expectations, policies and procedures and apply them to daily tasks.

Deliver a consistent, high level of service within our Serving More standards.

Other duties as assigned.

Competencies

Interpersonal/Customer Service Skills

Written and Verbal Communication

Ability to understand and follow directions

Adaptable to change

Basic Computer Skills

Organizational Skills/Detail Oriented

Analytical Thinking

Problem/Situation Analysis

Technical Expertise

Ability to build collaborative relationships

Ability to develop or mentor others

Ability to work as part of a team

Schedule
Typical office hours are M-F 8a-5p. This position is exempt and full-time. A minimum 40 hours is required per week. Additional time may be necessary based on customer and bank needs.

This position is eligible for a flexible work arrangement with opportunity to work both in office and remotely.

Education & Certifications & Work Experience
Bachelor's degree in a business field, preferably finance or accounting. Other concentrations will be considered with at least five years relevant experience required.

Travel Requirements
Travel to customers and prospects is expected.

PHYSICAL REQUIREMENTS
This position must be able to remain in a stationary position a maximum of 50% of the time, constantly operate a computer up to 50% of the time and be able to be in constant communication with coworkers, customers, or stakeholders to discuss and observe facts and data in order to exchange accurate information.

Qualifications
Bachelors of Finance (preferred); High School (required).

Employment Choice
Equal Opportunity Employer. This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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