Commercial Credit Analyst

Responsible and accountable for

• Proactively monitor Credit Excellence and initiate collection of financial statements for upcoming renewals and periodic reviews.
• Prepare succinct credit approval memos with minimal errors, including company and industry descriptions, key credit risks, historical analysis, base and downside case projection assumptions/rationale and terms and conditions.
• Complete ongoing portfolio monitoring, including covenant tracking, financial statement reviews, and run risk rating models.
• Identify and determine monitoring analysis activities required.
• Verify covenants and define updates needed on ticklers.
• Monitor covenant completion and track past due or out of compliance covenants and recommend appropriate course of action.
• Generate and provide various pipeline and portfolio reporting as needed to credit leadership, portfolio managers, underwriters, relationship managers and others as needed.
• Prepare Criticized Period Reviews reports with oversight.
• Generate and provide various pipeline and portfolio reporting as needed to credit leadership, portfolio managers, underwriters, relationship managers and others as needed.
• Prepare Criticized Period Reviews reports with oversight.
• May assist with training and onboarding of new employees.
• Support special projects or ad hoc analysis as assigned by management.

Minimum Knowledge, Skills And Abilities Required

• Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting)
• 2+ years of Commercial Banking experience.
• Sound Financial and risk analysis understanding, including the ability to develop financial models.
• Extensive Knowledge of banking products and services.
• General knowledge of U.S. government and regulation.
• Proficiency in internal banking applications.
• Strong verbal and written communication skills.
• Demonstrated strong problem-solving and analytical skills, with the ability to manage and prioritize multiple tasks while maintaining close attention to detail.
• Proficient in all Microsoft Office software.

Pay

Total Base Pay Range $54,400.00 - $111,500.00 USD Annual