Credit Analyst III

Responsibilities

• Create financial statement spreads and summary charts.
• Perform financial analysis of commercial loans (both real estate and commercial and industrial).
• Prepare financial analysis on unique commercial property types such as special purpose or commercial businesses with limited market share.
• Demonstrate strong understanding of accounting treatments typically found in financial statements of larger commercial credits.
• Identify, outline, and mitigate material policy exceptions during the underwriting process.
• Prepare well written financial analysis of loans for presentation to loan officers and/or loan committee.
• Attend committee during loan presentation.
• Complete financial analysis reports in a quality manner and within service timeline expectations.
• Adapt to changing workflow assignments and manage multiple loan requests at any given time.
• Effectively communicate with lending officers, supervisors, and co-workers to provide effective follow up on credit reviews and workflow.
• Mentor Credit Analyst I and Credit Analyst II colleagues.
• Protect all client and bank information confidentially and follow all company policies.
• Complete monthly training in a timely manner to ensure knowledge of bank regulatory requirements, policies, and procedures.
• Complete other specified duties as assigned.

Qualifications

• Well-written credit analysis with minimal revisions made by supervisor or department head.
• Strong understanding of accounting treatments typically found in financial statements of larger commercial credits.
• Ability to analyze complex credits and prepare thorough financial analyses.
• Effective communication skills to work with loan officers, supervisors, and co-workers.
• Ability to adapt to changing workflow and manage multiple tasks simultaneously.
• Knowledge of bank regulatory requirements, policies, and procedures.