Credit Analyst, Warehouse Lending

About the Role

As a Credit Analyst within the 2027 Commercial Banking Development Program, you will be primarily responsible for spreading, managing, and maintaining financial background information on present and prospective customers. You will develop credit studies for Loan Officers, the Chief Credit Officer, and other Executive Management. You will manage spread assignments, conduct financial analyses, and maintain related records and files. A key responsibility includes the preparation of various credit department reports.

The Warehouse Lending division, part of the Specialized Mortgage Servicing Group, provides short-term financing to IMBs (Independent Mortgage Bankers) to fund consumer mortgage loans.

Key Responsibilities

• Support the Credit Administration team in analyzing credit and collateral information to determine risk involved in lending money to customers.
• Collect, organize, and analyze company financials to ensure Bank compliance, and update the Bank’s systems accordingly.
• Work directly with clients to resolve compliance issues and operational inquiries.
• Review client financials and perform sensitivity analysis to evaluate credit risk in connection with Bank structures.
• Prepare in-depth reports providing plans of action based on qualitative and quantitative research.
• Collaborate cross-functionally with Bank groups to execute treasury management products, foreign exchange instruments, derivatives, as well as legal documents.
• Produce loan packages for new and restructured loans.
• Facilitate reporting and requests on behalf of the Bank with third parties, e.g., field auditors, appraisers, etc.
• Monitor loan disbursements to ensure compliance with Bank regulations.

Requirements & Tech Stack

• Completion of an Accounting course.
• Bachelor's degree or equivalent experience.
• GPA of 3.0 or higher.
• Strong analytical, conceptual, communication, leadership, and organizational skills.
• An interest in working in Commercial Banking.
• Ability to self-motivate and work productively without supervision.
• Entry-level speaking and writing communication skills.