Analyst I, Commercial Credit Analysis

Role Overview

• Perform independent credit analysis of commercial loan requests (C&I).
• Complete financial analysis and evaluation of credit worthiness.
• Prepare loan memorandums, risk rating matrices, financial analysis and collateral analysis.
• Develop and maintain a thorough understanding of loan products and procedures.
• Interact with and provide an exceptional customer experience to internal and external customers.
• Conduct complete credit underwriting, including: Prepare accurate and timely loan presentation packets (credit memos) for new credit requests, loan renewals and annual reviews.
• Spread and analyze financial information for borrowers, guarantors and related entities.
• Conduct the appropriate level of guarantor analysis including: credit bureau reports, personal financial statements and tax returns.
• Perform collateral analysis including margin/loan-to-value calculation.
• Determine the appropriate risk rating for credits.
• Process requests in a timely manner to ensure desired service levels and compliance requirements are met.
• Research credit requests including related commitments, background on borrowing entities and analyze industry risks.
• Perform sensitivity analysis on borrowers based on relevant and specific industry and economic variables and assumptions.
• Ensure compliance with loan policy and compliance standards, including the Bank’s BSA/AML program.
• Complete all assigned compliance training and adhere to internal procedures and controls, as required.
• Report any known violations of compliance policy, laws, or regulation, as well as suspicious customer and/or account activity.
• Maintain complete and accurate file documentation.

Requirements

• Bachelor’s degree in Accounting, Business Administration, Finance, Economics, or related field or equivalent work experience
• General understanding of financial statements, lending policies, procedures, practices, and documentation including cash flow and collateral analysis
• Ability to adapt and manage multiple deadlines is required
• Experience in credit analysis is preferred
• Strong analytical skills and detail oriented
• Demonstrate accuracy and thoroughness and monitor own work to ensure quality
• Manage competing demands in a changing environment while working independently most of the time
• Follow instructions, respond to management direction, and solicit feedback to improve performance
• Proficient in PC operation and demonstrated understanding of Microsoft Office Applications and Outlook
• Candidates must possess unrestricted work authorization and not require future sponsorship.

Benefits

• Medical, Dental, Vision Insurance
• 401k, With Matching Contributions
• Time Off Programs
• Health Savings Account (HSA)/Dependent Care
• Employee Banking
• Growth Opportunities
• Tuition Assistance
• Short-Term/Long-Term Disability Insurance