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 including 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 to include tax returns, balance sheets, profit and loss statements, etc.
• Analyzes credit worthiness of commercial applicants and guarantors.
• Analyzes findings and authors a comprehensive report of analysis.
• Evaluates credit quality and suggests proper risk rating based on analysis of most recent financial information.
• Participates in a quality control program that provides for the monthly review of general forms, spreads, and analysis with the provision of feedback and mentoring.
• Acts as a resource for Relationship Managers and other analysts for questions relating to Loan Policy, loan structuring, and underwriting recommendations.

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
• Strong organization and time management skills.
• Excellent written and verbal skills.
• Able to develop and maintain internal and external relationships with individuals such as Relationship Managers, Credit Officers, and Risk Management Personnel.
• Strong analytical and problem-solving skills, as well as an attention to detail.
• Proficient with Microsoft Office Suite, including Word, Excel, Outlook, and PowerPoint.

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.