Credit Analyst II

Pay

Pay Range: $30.59 - $40.76

About the Role

Completes customer due diligence and analyzes of borrower’s industry and company financial information with oversight. Prepares spreads, written analysis and supporting underwriting exhibits, providing a comprehensive financial analysis of the borrower and guarantor’s financial condition to approving officers.

Responsibilities

• Prepares accurate and detailed analytical memorandums on customers within portfolio for general industries and commercial real estate.
• Completes various exposure level deals which could include officers loan committee level deals.
• Analyzes financial statements, prepares spreads and cash flows, completes modifications, waivers, and change memos as needed.
• Completes on-going training sessions in order to continue to expand knowledge.
• Travel and other duties as assigned.

Requirements

• Bachelor’s Degree with a degree in accounting or finance preferred.
• Equivalent education and 2+ years as a Commercial Credit Analyst or similar credit/underwriting/financial services position experience are also acceptable.
• RMA Courses such as (not limited to) Analyzing Business Tax Returns, Analyzing Personal Finance Statement and Tax Returns, Cash Flow Analysis – UCA Fundamentals, Commercial Real Estate Lending, Accounting and Ratio Analysis, The Business of Commercial Banking, Ethics and Decision Making, Borrower Analysis: Qualitative Factors, Balance Sheet Analysis, Income Statement Analysis, Combined Balance Sheet and Income Statement Analysis or other trainings through American Institute of Banking are a plus.

Qualifications

• Strong working knowledge and understanding of traditional financial analysis with the ability to interpret data while researching, analyzing and drawing conclusions.
• Ability to read loan documentation, understand loan structures and read/understand financial statements along with having a financial wellness acumen.
• Ability to maintain a strong knowledge of loan policy and procedures.
• Ability to identify key trends during analysis and maintain critical thinking.
• Strong organizational, time management and prioritization skills with attention to detail.
• Excellent verbal, written, and interpersonal communication skills with strong presentation skills.
• Ability to make decisions effectively and handle conflict resolution with confidence.
• Team player able to work effectively in a team fostered, multi-tasking environment while developing, nurturing and leveraging relationships, both externally and internally, to accomplish results.
• Proficient in Microsoft Office suite, e.g. Excel, PowerPoint, Word, Outlook and experience in loan origination systems is a plus.

Skills

• Strong working knowledge and understanding of traditional financial analysis with the ability to interpret data while researching, analyzing and drawing conclusions.
• Ability to read loan documentation, understand loan structures and read/understand financial statements along with having a financial wellness acumen.
• Ability to maintain a strong knowledge of loan policy and procedures.
• Ability to identify key trends during analysis and maintain critical thinking.
• Strong organizational, time management and prioritization skills with attention to detail.
• Excellent verbal, written, and interpersonal communication skills with strong presentation skills.
• Ability to make decisions effectively and handle conflict resolution with confidence.
• Team player able to work effectively in a team fostered, multi-tasking environment while developing, nurturing and leveraging relationships, both externally and internally, to accomplish results.
• Proficient in Microsoft Office suite, e.g. Excel, PowerPoint, Word, Outlook and experience in loan origination systems is a plus.

Benefits

• Generous Paid Time Off: At least 22 days annually, prorated in the year of hire.
• Parental Leave: Six weeks of paid leave at 100% of your salary.
• Comprehensive Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants.
• Dental and Vision Coverage: Ensuring your overall health and well-being.
• Flexible Spending Accounts: For healthcare and dependent care expenses.
• Employer-Paid Disability Coverage: Both short-term and long-term, with an option to purchase additional long-term coverage.
• Life Insurance: Employer-paid basic life insurance, with an option to purchase supplemental coverage.
• Voluntary Benefits: Including hospital, accident, and critical illness coverage.
• Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future.
• Adoption Assistance: Supporting your growing family.
• Tuition Reimbursement: Invest in your education and career growth.
• Employee Assistance Program (EAP): Access to support and resources.
• Pet Insurance: For all your furry friends.
• Financial and Banking Services: Various banking services benefits and financial planning assistance.

Schedule

Stationary 75% of time or greater

Physical Requirements

• Communicate effectively with internal and/or external customers.
• Move Objects to Maximum 10 lbs