Credit Analyst

Analyze and Underwrite Credit Requests

To analyze and underwrite credit requests in a timely fashion, use applications, spreads, financial statements, tax returns, credit bureaus, meetings with customers/prospects, appraisals, web research, and other resources as necessary.

Determine if the request is in compliance with Bank policy and note any exceptions. Discuss deal structure, cash flow, collateral, and customer character with Relationship Managers (RM).

Accompany RM on customer calls and interact with customers in person and over the phone as directed by lender. Interact with financial professionals including CPAs, CFOs, etc. as needed to assist in the underwriting of credit memos. Present written analysis and observe presentations by lenders.

Manage Existing Portfolio

Manage existing portfolio of customers by tracking and preparing annual reviews of relationship obligations. Maintain tracking database with updated information as needed. Identify potential problem loans and deficiencies. Assist customers when needed with questions regarding loans and retail products.

Skills & Knowledge

• Excellent written and oral communication skills
• Extensive knowledge of PC applications, including Excel, Word, and Access
• Well versed in the Bank’s credit policy and underwriting standards
• Familiar with and fulfill compliance requirements