Credit Products Analyst II - Commercial Banking

Job Responsibilities

• Conduct financial spreading and risk rating analysis.
• Perform detailed credit due diligence and industry research.
• Prepare annual and periodic credit reviews.
• Monitor borrower performance and track financial covenants.
• Recommend risk rating adjustments based on financial trends.
• Assist Credit Products Specialists in structuring new loans and modifications.
• Prepare internal credit approval memoranda.
• Conduct market and collateral analysis.
• Review and interpret due diligence reports.
• Publish financing-related pitch materials with Relationship Managers.
• Work closely with RMs, Credit Officers, and Credit Products Specialists to provide data-driven insights.
• Participate in client discussions and presentations as needed.
• Contribute to process improvement initiatives.
• Continue professional development through credit training programs.
• Support policy updates and regulatory compliance efforts.

Job Requirements

• Education level required: Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related discipline.
• Minimum experience required: 3+ Years in commercial banking, credit analysis, or a related field.
• Preferred qualifications: Exposure to commercial credit structuring and deal underwriting beneficial.