Commercial Credit Analyst I

Investar Bank National As • Baton Rouge, LA

8d

About The Position

Reviews borrower organizational documents, credit reports, and other relevant documentation critical to a proper credit analysis. Communicates and works with loan officers to ensure necessary documentation is provided prior to credit analysis. Spreads financial statements and provides preliminary analysis.

Requirements

• Bachelor’s degree in Finance or related degree required (or equivalent experience) required.
• Must demonstrate satisfactorily progresses on a path toward promotion to a Commercial Credit Analyst II
• Must demonstrate behaviors which are aligned with the organization’s desired culture and values.
• Excellent written and verbal communication skills
• Decision-making skills and sensitivity when dealing with confidential information.
• Strong computer skills, including proficiency with MS Office (Word, Excel and Outlook).
• Must possess knowledge of computers and computer operations MS Office software.
• Must possess good organizational skills.
• Must possess ability to perform detailed tasks with accuracy.
• Must possess decision making skills.

Nice To Haves

• Previous experience in a banking environment preferred.

Responsibilities

• Accepts/reviews new and renewal credit submissions for completeness of required upfront financial information.
• Reviews borrower organizational documents, credit reports, and other relevant documentation.
• Reviews and spreads borrower financial statements, tax returns and other relevant financial information in order to perform cash flow and reserve analyses.
• Assess the location, physical condition, economic/investment viability, quality of management, and marketability of commercial real estate offered as collateral.
• Assists in on-going covenant monitoring of commercial real estate and commercial and industrial loan requests including monitoring of borrowing bases and approving draws on asset-based lines of credit.
• Prepares written credit workbooks which include household summaries, loan summaries, transaction explanation, project and global cash flow analysis, guarantor analysis and credit recommendation.
• Reviews leases, rent rolls and operating statements for multi-family and commercial investment properties.
• Conducts periodic and scheduled reviews of loans and loan relationships in accordance with bank policy.
• Assists loan officers in collection of updated tax returns, financial statements, and other relevant documentation required annually or to underwrite a new loan request.
• Demonstrates satisfactorily progresses on a path toward promotion to a Commercial Credit Analyst II
• Demonstrates behaviors which are aligned with the organization’s desired culture and values.
• Performs other related duties as required and assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level