Provides support of loan officers and managers through financial statement spreading and analysis of new loan requests and existing credit relationships.
Prepares cash flow models for the basis of credit decisions.
Prepares basic and preliminary credit analyses to aid in determining the viability of a potential credit opportunity, with supervision of Credit Manager or Credit Analyst III.
Provides additional loan agreement / covenant monitoring support to commercial lending and underwriting groups.
Provides on-going portfolio management through spreading of on-going required financial statements as they are received from the Bank’s customers.
Develops a base understanding of various types of lending facilities as well as a variety of companies and industries.
Ensures all departmental documents and activities are performed in compliance with applicable laws, regulations, policies and procedures.

BS/BA Degree in Business, Finance or a related field is required.
1-3 years’ work experience preferred.
Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures or governmental regulations.
Ability to write reports, business correspondence, and procedures manuals.
Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists.
Strong analytical and organizational skills.
Proficiency in Microsoft Word and Excel.

Commercial Credit Analyst I

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