Credit Analyst II – Financial Institutions

Role Overview

• Partner with Portfolio Managers in credit and underwriting
• Use critical thinking to identify and draft documentation
• Regularly complete indicative credit information into Banking Systems
• Prepare risk-rating scorecard and tickler event analysis
• Develop risk models and advise PMs on obstacles
• Verify covenants and define updates needed on ticklers
• Monitor covenant completion and track past due or out of compliance covenants
• Assess covenant compliance reporting and identify issues
• Review covenant compliance certificates to understand performance
• Update financial covenants and calculations as needed
• Run Probability of Default (PD) model with oversight
• Identify and recommend preliminary portfolio management actions
• Prepare ALSR reports with oversight
• Run risk and projection models with oversight assumptions provided
• Complete underwriting process with limited oversight
• Create and complete a CAM with little to no errors
• Review and re-write renewals for deals of limited complexity
• Responsible for portfolio analysis and development for Portfolio Reviews
• Support Portfolio Managers and special projects

Requirements

• Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting)
• 2+ years of Commercial Banking experience
• Sound Financial and risk analysis understanding
• Ability to develop financial models
• Extensive Knowledge of banking products and services
• Knowledge of corporate business structure and legal documents
• General knowledge of U.S. government and regulation
• Proficiency in internal banking applications
• Strong problem-solving and analytical skills
• Proficient in all Microsoft Office software

Benefits

• Comprehensive benefits
• Differentiated compensation offerings
• Incentive compensation plan based on performance
• Programs supporting physical, financial, emotional, and social well-being