Commercial Credit Analyst

Key Responsibilities

• Prepare loan presentations for credit approval.
• Underwrites loan requests working very closely with Lenders, Portfolio Managers and Underwriters on structuring, risk identification/mitigation, and risk ratings.
• Underwriting loan presentations include, but isn’t limited to, the following:
• Describe facilities/relationship including purpose of debt
• Identify and mitigate (when necessary) procedural exceptions
• Analyze collateral
• Analyze financial statements
• Analyze cash flow Including global cash flows when necessary
• Analyze loan covenants
• Detail financial reporting requirements
• Provide relevant industry analysis
• Analyze guarantor/personal cash flow
• Complete all necessary coding tied to loans (NAICS, Fed Call Code, etc.)
• Guide loan presentations through the approval process.
• May attend and assist with credit calls and/or field audits as requested.

Job Requirements – Education, Knowledge And Skills

• Minimum 1-2 years of experience in a credit related position or related commercial banking function.
• Bachelor's degree in business with emphasis in accounting, finance, or other applicable discipline; the appropriate combination of education and experience will be considered in lieu of a degree.
• Must demonstrate excellent analytical and problem-solving skills, good communication skills with excellent computer skills and a high level of proficiency in Microsoft Office applications (Word, Excel).
• Attention to detail and accuracy is critical and must also demonstrate the ability to think creatively to provide added value to the underwriting and credit process.