Credit Analyst II

Locations: Fishers, OH; Independence, OH; Mount Joy, PA; Erie, PA; Bellevue, PA; State College, PA

About the Role

The Credit Analyst II performs financial statement spreading, underwriting, and credit analysis to support commercial lending and commercial loan portfolio management activities. This role focuses on completing credit memos for new money requests to new and existing borrowers and supports the Portfolio Management team with annual reviews, renewals, change memos, and modifications.

Responsibilities

• Prepare timely, high-quality credit analysis and recommendations that accurately evaluate the strengths and weaknesses associated with credit actions.
• Engage in the Opportunity Memo process, assessing the strengths and weaknesses of credits and finalizing Opportunity Memos for presentation; actively participate in OM calls.
• Analyze financial statements, industry risk, loan structure, and market conditions to assess creditworthiness and repayment ability of borrowers.
• Utilize financial spreading software and other financial analysis tools to evaluate borrower’s cash flow and determine adequacy of primary and secondary repayment sources.
• Conduct underwriting, identify credit risks, analyze repayment capacity, and prepare collateral coverage in a narrative format within credit memos or modifications for new money requests, renewals, annual reviews, and modifications.
• Recommend appropriate credit structuring, documentation, and risk controls on credit requests within the guidance of the credit approval team.
• Determine the appropriate level of underwriting and due diligence for the credit’s risk profile.
• Complete underwriting tasks within expected service level and turnaround times.
• Participate in business calls with commercial lending and credit administration teams.
• Maintain a working knowledge of macroeconomic issues in local markets and regional industries.
• Maintain data integrity within the underwriting platform to ensure accurate records of credit relationships.
• Ensure compliance and handle all audit-related matters in the area of responsibility.
• Stay current on all banking rules and regulations relating to Credit Administration, Commercial Lending, and Appraisals.
• Identify policy exceptions for credit requests consistent with the Bank’s Commercial Credit Policy.
• Monitor, develop, and suggest revisions to workflows and procedures to enhance efficiency and minimize expenses.
• Identify potential for credit losses and mitigate risk appropriately.
• Utilize risk rating models to accurately determine risk ratings for credit requests.
• Prioritize assignments with guidance from the Commercial Credit Managers.
• Evaluate the financial condition of guarantors through analysis of personal financial statements and tax returns.
• Perform loan covenant testing calculations and update covenant compliance records.
• Complete assigned education to develop expertise in loan underwriting, loan structuring, and professional development.
• Develop business writing and professional communication skills.
• Review loan documentation to confirm accuracy.
• Perform other related duties and projects as assigned.
• Serve on special teams and projects when requested.
• Provide educational training and support for new analysts.
• Ensure compliance with Northwest’s policies and procedures, and Federal/State regulations.
• Navigate Microsoft Office Software, computer applications, and department-specific software to maximize efficiency.
• Work as part of a team and with on-site equipment.

Requirements

• Bachelor’s degree in business administration, management, accounting, finance, or other related discipline.
• 3–5 years of relevant commercial lending or credit administration experience, specifically related to CRE and C&I lending.