Commercial Credit Analyst III

Primary Accountabilities / Responsibilities

• Performs any functions necessary, within scope of authority and expertise, to provide the highest level of service and responsiveness to customers.
• Prepares analysis on moderate to complex commercial credit requests.
• Makes risk rating recommendations.
• Prepares Credit Review on existing relationships with the objective of maintaining a current, complete body of review of the commercial loan portfolio.
• Reports on overall credit quality and makes an updated assessment of financial condition.
• Mentors and assists more junior credit administration staff.
• May prepare and distribute a variety of recurring reports for use in the monitoring and administration of the commercial loan portfolio.
• May respond to a variety of inquiries on commercial banking customers.
• May attend customer calls as appropriate, new money, larger, more complex relationships, new relationships, high credit risk relationships, etc.

Qualifications

• Bachelor’s degree with specialization in accounting, finance, or business administration.
• Three to five years’ experience in commercial credit analysis including operational experience with financial statement and economic analysis and credit administration.
• Strong analytical, communication, and organizational skills with an attention to detail and an efficiency in handling multiple priorities.
• Advanced personal computer and MS Office knowledge with working knowledge of commercial loan origination, underwriting, documentation, and management software systems.
• Ability to mentor and assist junior credit administration staff.
• Competency in written and spoken English language.
• Knowledge of banking rules and regulations and common compliance issues.