Commercial Credit Analyst I

Role Overview

• This position is responsible for, but not limited to, serving the Credit Administration staff and Relationship Managers by providing analytical and loan decision support through the preparation of financial statement spreads for commercial loan borrowers, guarantors, and related entities.
• Performs spreads and credit analysis of commercial borrowers and guarantors, utilizing audited, reviewed, and complied financial statements and tax returns.
• Performs personal cash flow analysis utilizing individual tax returns and personal financial statements.
• Participates and leads various training and mentoring sessions with other Credit Analysts and Commercial Associates.
• Communicates with Relationship Managers, Portfolio Managers, and Credit Administrators as needed to convey concerns and/or risks related to loans.

Requirements

• A bachelor’s degree in business, finance, or accounting is recommended to have a good understanding of financial statements and to make industry evaluations.
• Finance/accounting related work experience of at least five years in lieu of a college degree in business, finance, and accounting.
• Work as a Commercial Credit Analyst, or similar credit position, for a minimum of one year.
• Knowledge of personal computer, Windows and Microsoft software applications is necessary.

Benefits

• Equal Opportunity Employer, including disabled/veterans.