Collaborates with relationship managers in gathering and evaluating commercial credit related information on current and prospective customers by preparing written reports of analysis.
Reads, reviews, and understands various financial statements to include but not limited to; tax returns, balance sheets, profit and loss statements, agings, borrowing base certificates, debt schedules, equipment lists, credit bureau reports, rent rolls, lease agreements, and appraisals.
Prepares financial spreads for various types of commercial and real estate businesses, municipalities, non-profits, and individuals acting as direct obligation borrowers or guarantors.
Analyzes credit worthiness of commercial applicants and guarantors as appropriate.
Analyzes findings and authors a comprehensive report of analysis.
Evaluates credit quality and suggests proper risk rating.

Bachelor's Degree in Business, Finance, or related field required or 7-9 years of banking experience and/or equivalent combination of education and experience required
1-3 years experience in a similar position 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.
Able to work in a fast-paced environment, set priorities, and establish and meet strict deadlines with the flexibility to adapt quickly to changing priorities.
Self-motivated and possess the ability to assist with credit risk decisions.
Strong analytical and problem-solving skills, as well as an attention to detail.
Proficiency with Microsoft Office Suite, including Word, Excel, Outlook, and PowerPoint.
Experience with financial spread software.

Credit Analyst II

Key skills