Commercial Credit Analyst I
About The Position
This is a hybrid role with the expectation that time working will regularly take place inside and outside of a company office. This position provides support to the credit sales organization, vendor partners and senior management through the underwriting and adjudication of commercial credit applications. Reviews publicly and privately available information and risk assessments on commercial borrowers, analyzing internal pay history as necessary. Adjudicates opportunities within individual lending authority and recommends decisions over and above established delegated authority. This is something that we use to add to the “Overview” section: This is a hybrid role, with the expectation that work time will regularly take place inside and outside of a company office. This position reviews commercial credit line requests for the Credit Administration function of the Bank. Analyzes commercial business customer financial data to determine creditworthiness.
Requirements
- Bachelor's Degree and 0 years of experience in Banking or Financial industry OR High School Diploma or GED and 4 years of experience in Banking or Financial industry
Nice To Haves
- Bachelor's in Accounting or Finance
- Credit decisioning experience
- Underwriting experience
- Commercial credit analysis experience
- Banking and/or Finance industry experience
Responsibilities
- Credit Line Review - Reviews business customer data in order to make sound credit decisions. Verifies quality of supporting documentation, updating, and categorizing according to status changes in the portfolio. Identifies any servicing deficiencies, policy violations, or credit risks.
- Credit Control - Determines sample of credits for analysis with a focus on risk trends. Maintains accurate credit scores by interpreting data from tax returns and financial statements.
- Risk Mitigation - Identifies potential losses and exposures during loan assessment. Recommends strategies or solutions to address credit risk.
- Reporting - Produces reports based on the results of loan assessment. Conveys patterns, deficiencies, and other areas for review. Ensures that reports are complete and accurate. Documents any policy or regulation exceptions.
- Analysis - Sources, compiles, and interprets commercial to determine the creditworthiness of a business client. Analyzes factors that impact credit on both a quantitative and qualitative basis. Assists with analyzing loan processes for accuracy and efficiency, effectively communicates analysis output.
- Business Support - Provides analytical insight and technical skill to lending activities, developing industry, data, and credit knowledge to serve as a resource to associates. May recommend process improvements and risk mitigation strategies identified through data trends.
- Documentation - Obtains and monitors financial documentation utilized in analysis efforts. Ensures accuracy, completeness, and consistency of documentation.
- Reporting - Produces reports based on analysis, key loan metrics, and credit relationships. Identifies and communicates trends that indicate risk or credit issues.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Number of Employees
5,001-10,000 employees
