Commercial Credit Analyst I

About the Role

This role is not eligible for sponsorship.

Key Responsibilities

• Accurately prepare loan requests and loan renewal write-ups, including global cash flow analysis, collateral analysis, industry analysis, management analysis, and overall repayment capacity.
• Complete underwriting in accordance with current regulations, compliance terms, bank policy, and legal requirements.
• Accurately spread financial statements and tax returns and analyze historical performance.
• Assist in the preparation of annual reviews of existing clients upon receipt of updated financial information.
• Monitor financial statement requirements, loan covenants, and borrowing base certificates and communicate findings to lender and manager.
• Prepare pertinent reports, tracking financial information and receipt thereof.
• Participate in identifying, measuring, monitoring, controlling, and mitigating credit risk of the commercial loan portfolio.
• Obtain, analyze, and incorporate third-party borrower information (e.g., credit reports, costar, RMA).
• Accompany Commercial Lenders on calls and inspections, and assist with presenting loan requests to approvers as needed.
• Assist in loan review cycle and with classified asset reporting.
• Attend and participate in department meetings as necessary.
• Maintain orderly and up to date credit files.
• Maintain ownership for all accepted tasks.
• Take a proactive approach to learning and career development.
• Understand and promote the bank’s credit culture and credit policies.
• 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
• Ability to influence others
• Ability to work as part of a team

Schedule

• Office hours are Monday through Friday 8 am to 5 pm.
• This position is hourly and full-time.
• A minimum of 37.5 hours is required to maintain eligibility for full-time status.
• Generally, the position will require 40 hours per week.
• A flexible work arrangement is available for this position.
• The position will require some scheduled onsite hours. Please speak to the hiring manager for more information.

Education, Certifications, and Work Experience

• BA/BS, Business Management required.
• BA/BS, Finance / Accounting or other concentrations considered with 2+ years relevant experience.