Credit Analyst II

About the role

A Credit Analyst II performs financial statement spreading, underwriting, and credit analysis to support commercial lending and commercial loan portfolio management activities. The role focuses on completing credit memos for new money requests, annual reviews, renewals, change memos, and modifications.

Responsibilities

• Prepare timely, high-quality credit analysis and recommendations that accurately evaluate the strengths and weaknesses of credit actions.
• Engage in the Opportunity Memo process, assess credits, and finalize Opportunity Memos for presentation; participate in OM calls.
• Analyze financial statements, industry risk, loan structure, and market conditions to assess borrower creditworthiness and repayment ability.
• Utilize financial spreading software and other tools to evaluate borrower cash flow and determine adequacy of repayment sources.
• Conduct underwriting, identify credit risks, analyze repayment capacity, and prepare collateral coverage in a narrative format for credit memos or modifications.
• Recommend appropriate credit structuring, documentation, and risk controls 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 levels 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.
• Ensure data integrity within the underwriting platform for accurate credit relationship records.
• Handle all compliance and audit-related matters in the area of responsibility.
• Stay current on banking rules and regulations related 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 credit losses and mitigate risk appropriately.
• Utilize risk rating models to accurately determine risk ratings for credit requests.
• Prioritize assignments with guidance from 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, structuring, and professional development.
• Develop business writing and professional communication skills.
• Review loan documentation for accuracy.
• Perform other related duties, projects, or serve on special teams as assigned.
• Provide educational training and support for new analysts.
• Ensure compliance with Northwest’s policies, procedures, and Federal/State regulations.
• Navigate Microsoft Office Software, department-specific applications, and on-site equipment to maximize efficiency.
• Work collaboratively as part of a team.

Requirements

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