Credit Analyst II

This role is responsible for independently analyzing and underwriting commercial credit relationships of moderate complexity. The Credit Analyst II partners closely with commercial lenders to structure credit solutions, assess risk, and support portfolio management activities, demonstrating a strong understanding of commercial lending, credit policy, and financial analysis.

Responsibilities

• Independently analyze commercial client financial statements, tax returns, and related documentation to assess creditworthiness.
• Prepare loan presentations for loan committee, including loan applications, financial statements, cash flow analysis, and risk assessments.
• Perform underwriting of commercial credit requests in accordance with bank policy and regulatory requirements.
• Monitor assigned commercial loan portfolios, including financial performance and risk trends.
• Maintain accurate and complete files and documentation; provide updates to business partners as needed.
• Collaborate with Mortgage and Consumer lending to assess and grade commercial and self-employed borrowers.
• Complete and update various reporting for Loan Committee or Board.
• Provide informal guidance to Credit Analyst I staff.
• Perform various other duties as assigned.

Contact With Others

• Internal: Regular communication with management to offer advice and opinions concerning laws, regulations, internal controls, policies, or protocols.
• External: Regular communication with external auditors, examiners, correspondent banks, and other bank-related agencies and vendors.