Credit Analyst II

Key Responsibilities

• Review loan applications and supporting documentation to help ensure complete, accurate packages for credit decisioning.
• Analyze commercial, real estate, private banking, and consumer financial information to assess credit quality and identify risk.
• Enter financial statements, tax returns, and application data into loan origination and analysis systems with a high degree of accuracy.
• Review credit memos for accuracy and recommend updates or changes when needed.
• Prepare clear, timely, and well-supported credit recommendations with limited supervision.
• Apply risk rating tools appropriately and identify exceptions related to policy, procedure, or regulatory requirements.
• Possess strong communication skills and partner with lenders and relationship managers to provide responsive support, insight, and efficient turnaround times.
• Coordinate appraisal requests, prepare engagement letters, track progress, and review completed appraisals for quality and compliance.
• Support compliance with all applicable bank policies and federal and state regulations.
• Report policy issues and recommend corrective action or tracking as needed.
• Complete required training and maintain a working knowledge of current policies, procedures, and regulatory updates.

Qualifications and Education Requirements

• Bachelor’s degree in business administration, finance, or similar field, preferred.
• At least 3-5 years of experience in banking.
• Proficient in Word, Excel, Premier and Viewpoint.
• Excellent oral and written communication skills.