Credit Analyst II

Responsibilities

• Financial statements spreadsheets.
• Financial analysis of commercial loans (both real estate and commercial and industrial).
• Commercial credits will be more complex with potential for multiple collateral types, financial statement analysis of multiple guarantors, and industries with limited number of companies.
• Prepare financial analysis on unique commercial property types such as special purpose or commercial businesses with limited market share.
• Strong understanding of accounting treatments typically found in financial statements of larger commercial credits.
• Prepare well-written financial analysis of loans for presentation to loan officers and/or loan committee.
• Complete financial analysis reports that are completed in a quality manner and within service timeline expectations.
• Compliance with the Mutual Charter Agreement between Credit/Underwriting and Commercial/Special Assets Relationship Management as posted on the Bank’s Intranet.
• Effective communicator with lending officers, supervisors, and co-workers to provide for effective follow up on credit reviews.
• Mentor to Credit Analyst I.
• Protect all client and bank information confidentially and follow all company policies.
• Complete monthly training in a timely manner to ensure knowledge of bank regulatory requirements, policies, and procedures.
• Other specified duties as assigned.

Qualifications

Well-written credit analysis with minimal revisions made by supervisor or department head.