Credit Analyst II

Essential Duties and Job Responsibilities

• Interpret financial statements and provide financial analysis support utilized in underwriting complex C&I and commercial real estate loans.
• Work proactively to ensure production is prioritized appropriately and completed in a timely manner.
• Specific tasks include financial statement spreading; completing financial analysis documents; updating and creating new requests, modifications, renewals and annual reviews in the Bank’s commercial loan system;
• Tracking and completing covenant monitoring, completing industry research and developing a strong understanding of the Bank’s commercial loan policy.
• Participate in relationship team meetings with management and credit partners to explain information in the analysis when warranted.
• Analyze and prepare credit approval documentation in FHB’s commercial loan system.
• Credit Analyst II is responsible for accurately reflecting all loan terms, collateral, covenants, loan grade inputs, policy exceptions, and calculating credit exposure for a given relationship in the commercial loan system.
• Partner with Portfolio Managers to monitor and manage assigned commercial loan portfolios. This responsibility includes tracking covenants, recording financial statements, and monitoring company performance against expectations.
• Credit Analyst II is responsible not only for accurate calculations and inputs but also for thoughtful implementation of policies, procedures, and guidelines.
• Identify and report material changes or trends in the financial statements of borrowers or guarantors observed in the preparation of credit approval presentations.
• Participate in internal credit conversations with PM’s, RM’s Credit Officers and senior management and in external meetings with clients and prospects.
• Participate in portfolio management projects.

Qualifications

• Bachelor’s degree (B.A.), preferably in Accounting, Finance or Business or equivalent in specific work experience.
• 1-2 years of experience or equivalent combination of education and experience related to Financial Services, Banking, Credit Analysis, Loan Review or similar background preferred.
• Experience as a Credit Analyst II or equivalent role preferred.
• Fundamental understanding of general bank operations and the commercial lending process.
• Familiarity with the processes used to analyze financial data.
• Highly organized and detail oriented.
• Ability to manage multiple priorities and adhere to deadlines while delivering a high-quality work product.
• Entry-level understanding of general bank operations and the commercial lending process.
• Ability to understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with business unit teammates and leaders.
• Computer and Office Equipment Skills: Strong computer skills required with the following programs: Access, Word, PowerPoint, Outlook and highly proficient skills with Excel.
• Experience with nCino applications is a plus.