Commercial Credit Analyst

About the role

A positive, motivated team player who works both individually and as part of a high-performing team to assist in achieving the Commercial Lending Department’s objectives: on-time loan delivery, loan monitoring, and servicing internal and external customers with a high level of accuracy and service.

Responsibilities

• Analyze financial information and legal entity documentation for the origination and renewal of small business loans processed through the bank’s small business credit scoring model.
• Present conclusions documented via high-level loan credit memoranda.
• Run and analyze personal credit reports.
• Spread tax returns and business financial statements.
• Analyze personal financial statements.
• Collect and control financial information and legal/entity documentation to complete loan packages for origination, handling communication with internal business partners and third parties.
• Review and understand borrower credit, including credit reports, personal and business financial statements, personal and business tax returns, and schedule of real estate owned.
• Assist in monitoring key performance indicators for portfolio loans through annual loan reviews.
• Process commercial credit card applications.
• Work closely with retail branches and private bankers to establish banking relationships with new business clients and develop growth within existing client relationships.
• Understand and adhere to bank credit policy, current bank underwriting guidelines, and current credit appetite.
• Participate as a proactive member of the credit administration team from the start of a loan through to closing.
• Handle special projects as requested by management.
• Perform other duties and responsibilities as assigned.

Requirements

• Some college-level work in Business, Finance, or Accounting.
• Minimum of two years of previous banking experience in administrative or analytical support.
• Strong verbal and written communication skills, including presenting at meetings.
• Preferred understanding of Global Cash Flow and Business Cash Flow.
• Preferred experience with business financial statements and spreading software.
• Ability to deliver excellent service to teammates, sales staff, and customers.
• Ability to work in a fast-paced environment while delivering accurate and quality work product.

Physical Requirements

• Ability to remain in a stationary position for extended periods (e.g., sitting or standing).
• Frequent use of a computer and other office equipment.
• Ability to communicate effectively with colleagues and customers.
• Occasionally move or lift items up to 10 pounds.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the position.