Credit Analyst II - Asset Based Finance - Product Delivery Portfolio - Support

About the role

This position is responsible for analyzing and interpreting a client's creditworthiness, evaluating credit risks, and writing credit approval memos for annual renewals and new lending opportunities. The Credit Analyst II works with a credit team to support the credit underwriting and monitoring process for new and existing clients, completing credit analysis to assess creditworthiness, evaluating risk, and preparing financial analysis for approval and monitoring documents.

Responsibilities

• Analyze client financial information, identify and mitigate potential risks, ensure compliance with regulatory requirements, and evaluate collateral to determine creditworthiness.
• Complete monitoring activities through analysis of clients’ financial performance and collateral evaluation to ensure appropriate requirements are met.
• Listen in to client meetings to develop a deeper understanding of the client's business, management team, and past and future performance.
• Review completed client requests to ensure compliance with policy and procedures.
• Understand how credit data is used internally and provided to regulatory partners.
• Assist with periodic portfolio reviews.
• Participate in loan structure conversations and completion of loan documentation.
• Evaluate transaction and relationship risk-adjusted profitability to facilitate the allocation of capital.
• Build projection models for the client (as needed) based on historical performance, industry forecasts, and other due diligence findings.
• Perform ongoing monitoring activities, including analysis of client financial performance and collateral positions, to proactively identify risks and trends.
• Support loan structuring and execution by participating in discussions and assisting with the preparation and completion of loan documentation.
• Review client requests and credit submissions to ensure accuracy, completeness, and adherence to credit policies and procedures.
• Participate in client meetings and portfolio reviews to deepen understanding of the client’s business, management team, and performance, while supporting internal and regulatory use of credit data.

Requirements

• Minimum of 1 year of experience in credit analysis, underwriting support, or financial analysis.
• Basic understanding of financial statements, cash flow analysis, and credit risk concepts.
• Ability to complete routine credit analysis and monitoring tasks with accuracy and timeliness.
• Experience preparing or contributing to written financial or credit analysis documentation.
• Proficiency in Microsoft Excel and ability to work with financial data and reports.
• Strong attention to detail and analytical skills.
• Effective written communication skills.
• Ability to manage multiple assignments and work effectively in a team environment.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Business, or related field (desired).
• Working knowledge of financial statements and cash flow analysis and credit risk fundamentals (desired).
• Ability to complete routine credit and monitoring analyses independently with guidance on complex items (desired).
• Experience preparing written credit analysis for approval and/or monitoring (desired).
• Familiarity with commercial lending concepts, credit policy, and loan documentation (desired).

Skills

• Analytical Thinking
• Financial Analysis
• Financial Forecasting and Modeling
• Profitability Analysis
• Research Analysis
• Attention to Detail
• Business Acumen
• Credit and Risk Assessment
• Underwriting
• Written Communications
• Collaboration
• Critical Thinking
• Portfolio Analysis
• Prioritization
• Technical Documentation

Schedule

1st shift (United States of America), 40 hours per week.