Credit Analyst I (Exempt), Credit Analysis

About the role

Responsible for accurately analyzing personal and business financial information and underwriting new and existing loans and relationships according to the bank’s guidelines and policies.

Responsibilities

• Prepares high-quality loan presentations and ensures accuracy of financial and other analyses for commercial banking, commercial real estate, and private banking.
• Analyzes rent rolls, leases, operating statements, tax returns, personal financial statements, and other related material.
• Prepares a variety of analyses and risk identification including borrower cash flow, global cash flow, property cash flow, sensitivity, market/industry research, etc.
• Affords credit ratings based on a thorough risk assessment of the request and/or existing loan.
• Assists loan officers regarding credit worthiness while identifying proper loan structure.
• Identifies risk in the underlying loan requests- including but not limited to: operational risk, financial risk, market/industry risk, collateral risk, management risk, etc.
• Stays informed about the legal, compliance, lending activities, competition and economic and market-risk related issues involved in the approval of credit.
• Requests and attends meetings with customers to gather and evaluate financial and related data to establish credit worthiness.
• Makes recommendations and assists with the development & revisions of Loan Policy, Supplement to Loan Policy, and Loan Procedures, as requested by manager or management team.
• Performs analysis for various vendors of organization as requested.
• Prepares various reports regarding the commercial loan portfolio, including but not limited to concentration reports, industry updates, and others as requested or required.
• Performs other duties as assigned.

Qualifications/Requirements

• Strong verbal and written communication skills
• Able to conduct research and write the substance of an analysis in narrative form
• Able to participate in customer meetings with or without a lender and communicate effectively with business owners to extract useful information in a professional manner

Benefits

• Health Insurance
• Dental Insurance
• Vision Insurance
• Paid Vacation
• Paid Holidays
• Employee Stock Ownership Plan
• 401k Plan
• Flexible Benefit Plan
• Voluntary Life Insurance
• AD&D Insurance
• Discounted Banking Services
• EAP (Free counseling sessions)
• Discounted AAA Membership
• Discounted Tickets
• Dell Computer Discount
• Jeans days to benefit local charities
• Sick Leave
• Employee Wellness Program
• Service Awards
• Attendance Awards
• Funeral Leave
• Subsidized Parking (Downtown)
• Personal Day
• Birthday Holiday
• Appointment Time
• Long Term Disability
• Life Insurance (2x salary)