Credit Analyst III

Role Overview

• Collaborates with relationship managers in gathering and evaluating commercial credit related information on current and prospective customers
• Prepares written reports of analysis which include in-depth analysis of financial statements, historical and projection-based cash flow and ratio analysis, suggested credit structure, general industry analysis and identified risks.
• Reads, reviews, and understands various financial statements
• Prepares financial spreads for various types of commercial and real estate businesses
• Analyzes credit worthiness of commercial applicants and guarantors
• Authors comprehensive reports of analysis using a mix of data analysis and written narrative.
• Ensures compliance to applicable regulations and keeps up to date with changes
• Participates in a mentorship program with lower-level analysts.

Requirements

• Bachelor's Degree in Business, Finance, or related field required
• 7-9 years of banking experience and/or equivalent combination of education and experience required
• 4-6 years experience in a similar position required
• Experience with financial spread software required
• Commercial banking experience preferred

Benefits

• Generous Paid Time Off (PTO) in addition to paid federal holidays.
• Student debt employer repayment program.
• 401(k) retirement plan with a 6% match.