Credit Analyst - Financial Institutions

Responsible and accountable for

Openly exchange ideas and opinions, elevate concerns, and follow policies and procedures as defined. Ensure actions and behaviors drive a positive customer experience. Operate within the Bank's risk appetite to achieve results by identifying, assessing, managing, monitoring, and reporting risks of all types.

Essential Duties And Responsibilities

• 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, define updates needed on ticklers, monitor covenant completion, 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.
• Prepare underwriting process with limited oversight, including completing the underwriting process from beginning to end with limited oversight on increasingly complex credits.
• Ensure accuracy, integrity, and timeliness of credit data across internal systems and reports, taking appropriate action to resolve data, documentation, or analysis deficiencies and escalating questions to the appropriate level.
• Identify emerging risks or negative trends and escalate appropriately.
• Maintain a working knowledge of Bancorp credit policies, guidelines, and procedures.
• Perform Borrowing Entity PD Ratings and Obligation LGD Ratings.
• 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 credit analysis 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

Pay

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