Credit Analyst II

Responsibilities

• Independently underwrites and analyzes complex commercial credit relationships, including new requests, renewals, and modifications.
• Prepares loan presentations for loan committee, including preparation of loan application, financial statements, cash flow analysis, and risk assessments.
• Evaluates client financial statements, cash flow, and collateral structures.
• Monitors assigned commercial loan portfolios, including financial performance and risk trends to identify portfolio risks and recommends proactive risk mitigation strategies.
• Partners with commercial lenders on deal structuring, pricing, and exception management.
• Maintains accurate and complete files and documentation and provides updates as needed to business partners.
• Collaborates with Mortgage and Consumer lending to assess and grade commercial and self-employed borrowers.
• Completes and updates various reporting for Loan Committee or Board.
• Reviews work and provides guidance to the Credit Analyst I and II for accuracy, quality, and compliance.
• Performs various other duties as assigned.