Commercial Credit Analyst I- Bank

C&F Bank•Toano, VA

8d•$59,000 - $82,000

About The Position

The Commercial Credit Analyst I supports commercial underwriting and analysis by evaluating financial information, assessing risk, and helping structure loans that meet client needs while protecting the bank. The role partners closely with Relationship Managers, provides insights on creditworthiness, and contributes to sound business decisions that support local businesses and communities. The analyst researches borrower industries and market conditions; analyzes borrower, related-entity, and guarantor financial information; reviews cash flow, debt service, and collateral; and develops recommendations on loan structure. The position also prepares credit request memos, term sheets, appraisal requests, and presentation materials, and may present findings to loan approval bodies. The analyst assists with business-development call preparation and special projects. The role requires travel 25% of the time from Richmond to the Operations Center in Toano, Virginia. Work is performed in an operational office environment.

Requirements

Knowledge of loan structuring, covenants, closing conditions, term sheet preparation, and collateral perfection.
Clear and demonstrable knowledge of C&I, Commercial Real Estate, and Acquisition, Development, and Construction (AD&C) lending.
Strong financial accounting knowledge or background.
Demonstrated analytical skills.
Proficiency with standard and specialized computer hardware and software, including Microsoft Office.
Strong oral and written communication skills.
Ability to read and understand reports, spreadsheets, and forms.
Ability to communicate information clearly through all media channels and interact effectively with clients and Bank employees at all levels.
Ability to handle several tasks simultaneously and work under time limits.
Ability to present findings effectively to varied audiences.
Travel 25% of the time from Richmond to the Operations Center in Toano, Virginia.

Nice To Haves

Bachelor’s degree or higher in Accounting, Finance, or Business Management preferred.
A combination of work experience and education may be considered.

Responsibilities

Partner with Relationship Managers to guide questions for prospective clients, identify financial information needed for underwriting, and provide initial thoughts on transaction structuring, consulting the Commercial Credit Analyst Manager and Underwriter as appropriate.
Analyze financial information required for prudent loan approval and risk management.
Evaluate loan structures and recommend terms, amortization, pricing, covenants, and other appropriate structures.
Provide direction and feedback to Commercial Support Specialists and Relationship Managers on workflow procedures and adherence to Bank credit policy.
Research borrower industry and market conditions using sources such as eMentor and Costar.
Analyze borrower and related-entity financial statements, as well as guarantor and personal tax returns and financial statements.
Perform cash flow and debt service analyses, including business and global cash flow debt service coverage ratios.
Independently analyze collateral securing loan requests and assess whether it conforms to Bank guidelines.
Present findings to the appropriate loan approval body when necessary.
Develop questions arising from credit analysis and provide them to the Relationship Manager to support complete underwriting.
Create Credit Request Memos for credit presentations.
Develop term sheets for prospective credit requests as appropriate.
Prepare Commercial Appraisal Requests and submit them to Credit Administration for appraisal ordering.
Create PowerPoint slides for credit presentations when applicable.
Assist with preparation for client and prospect business-development calls at the direction of the Relationship Manager and Credit Analyst Manager.
Assist with special projects and perform other duties as assigned.