Commercial Credit Analyst

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Spread, review, and analyze financial statements, credit reports, collateral evaluations, and other relevant financial information of prospective borrowers.
• Prepare and underwrite credit presentations for recommendation.
• Evaluate the risk associated with extending credit to individuals or businesses based on factors such as income, debt levels, payment history, and market conditions.
• Ensure compliance with company credit policies and procedures when evaluating credit applications.
• Maintain and monitor the performance of existing credits, evaluate financial performance and covenant compliance, identify potential risks, and recommend appropriate actions per policy.
• Stay informed about industry trends, economic indicators, and regulatory changes that may impact credit risk.
• SBA underwriting or assistance with SBA programs or SBA packaging as LSP.

QUALIFICATIONS

• Bachelor’s degree in finance, accounting, economics, a related field, or equivalent related experience.
• Previous experience in credit analysis, financial analysis, or risk management.
• Strong analytical skills with the ability to interpret financial data, lease agreements, and other contract documents.
• Knowledge of financial markets, accounting principles, and credit risk assessment techniques.
• Excellent communication and interpersonal skills.
• Attention to detail and ability to work independently.
• Familiarity with regulatory requirements and industry best practices in credit risk management (preferred).
• Conversant with intermediate level accounting principals (cash/accrual basis, cost, and contractor), lending experience helpful.
• Knowledge of and ability to read, interpret and draw accurate conclusions from financial and numerical material.
• Ability to manage multiple concurrent objectives, projects, groups, or activities, making effective judgments as to priority and time allocation.
• Proficiency in Microsoft Office applications (Outlook, Teams, Excel, Word, PowerPoint).
• Prioritize 2+ years commercial credit analysis experience (preferred).
• Familiarity with Baker Hill, Abrigo or other LOS software (preferred).