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

About the role

This role 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.

Responsibilities

• Analyze client financial information, identify and mitigate potential risks, ensure compliance with regulatory requirements, and evaluate collateral to determine creditworthiness.
• Complete monitoring activities by analyzing clients’ financial performance and collateral evaluation to ensure appropriate requirements are met.
• Participate in 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 clients 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 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, 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.