Credit Analyst II - Healthcare/G&I

About the role

The Credit Analyst II is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues as needed. A successful Credit Analyst II will be able to draft documents and prepare for credit reviews with limited support from the Portfolio Managers. The role involves building proficiency in underwriting, developing the ability to complete the underwriting process from beginning to end with limited oversight, and supporting Portfolio Reviews as needed.

Responsibilities

• Partner with Portfolio Managers in credit and underwriting, performing analytical tasks as needed.
• Use critical thinking to identify and draft documentation.
• Complete indicative credit information into Banking Systems with little to no errors.
• Prepare risk-rating scorecard and tickler event analysis, determining actions based on results in collaboration with Portfolio Managers.
• Develop risk models and advise Portfolio Managers of unforeseen obstacles that may impede meeting client expectations.
• Identify and determine monitoring analysis activities required.
• Verify covenants and define updates needed on ticklers.
• Monitor covenant completion and track past due or out-of-compliance covenants, recommending appropriate courses of action.
• Assess covenant compliance reporting and identify issues.
• Review covenant compliance certificates to understand performance and determine actions.
• Update financial covenants and calculations as needed.
• Run Probability of Default (PD) model with oversight.
• Evaluate completed spreads to determine necessary edits in collaboration with the CCU team.
• Identify and recommend preliminary portfolio management actions using Credit Service reporting and RADAR with some oversight.
• Prepare ALSR reports with oversight.
• Run risk and projection models with provided oversight assumptions.
• Complete the underwriting process with limited oversight.
• Create and complete a CAM with little to no errors.
• Review and rewrite renewals for deals of limited complexity.
• Perform portfolio analysis and develop materials for Portfolio Reviews in preparation for client meetings.
• Support Portfolio Managers and special projects.
• Take appropriate remedial actions to resolve deficiencies and escalate questions/disputes to the appropriate level when necessary.
• May assist with training new employees.
• May work on special projects as assigned by management.

Requirements

• Bachelor's degree in Business (e.g., Business Administration, Finance, or Accounting).
• 2+ years of Commercial Banking experience.
• Sound understanding of financial and risk analysis, including the ability to develop financial models.
• Extensive knowledge of banking products and services.
• Knowledge of corporate business structure and legal documents.
• General knowledge of U.S. government and regulation.
• Knowledge of the local or regional market preferred, but not required.
• Proficiency in internal banking applications.
• Strong verbal and written communication skills.
• Demonstrated expertise in effective problem-solving and analytical skills with the ability to handle and prioritize multiple tasks.
• Proficient in all Microsoft Office software.

Working Conditions

• Normal office environment with little exposure to dust, noise, temperature, and the like.
• Minimal travel required.

Benefits

Our benefits programs are designed to support the health, happiness, and financial well-being of our employees and their families. Benefits include:

• Comprehensive medical, dental, and vision coverage.
• 401(k) plan and employee stock purchase plan with a generous employer match.
• Flexible paid time off.
• Comprehensive leave programs.
• Unique benefits to support overall mental and physical wellness.

Pay

The base salary for this position ranges from $54,400 to $111,500 USD annually. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education, and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with payments based on company, line of business, and/or individual performance.

Location: Virtual, Ohio