Commercial Credit Analyst I

Park National Bank•Mansfield, OH

4d•Hybrid

About The Position

The Commercial Credit Analyst I prepares loan requests, renewal write-ups, and annual reviews; analyzes borrower financial information and repayment capacity; and supports underwriting and credit-risk management for the commercial loan portfolio. The role requires compliance with applicable regulations, bank policies, legal requirements, and risk-management expectations. It also supports commercial lenders, loan review, classified asset reporting, credit-file maintenance, and high-quality customer service. The position is hourly and full-time, generally requiring 40 hours per week, with at least 37.5 hours needed to maintain full-time eligibility. Office hours are Monday through Friday, 8:00 a.m. to 5:00 p.m. A flexible work arrangement is available, but some scheduled onsite hours are required; details should be discussed with the hiring manager.

Requirements

BA/BS in Business Management required.
A BA/BS in Finance, Accounting, or another concentration may be considered with 2+ years of relevant experience.
Interpersonal and customer-service skills.
Written and verbal communication skills.
Ability to understand and follow directions.
Adaptability to change.
Basic computer skills.
Organizational skills and attention to detail.
Analytical thinking and problem/situation analysis.
Ability to influence others.
Ability to work as part of a team.

Responsibilities

Prepare loan requests and renewal write-ups, including global cash flow, collateral, industry, and management analyses, and assessment of overall repayment capacity.
Complete underwriting in accordance with current regulations, compliance terms, bank policy, and legal requirements.
Spread financial statements and tax returns and analyze historical performance.
Assist with annual reviews of existing clients after receiving updated financial information.
Monitor financial-statement requirements, loan covenants, and borrowing-base certificates; communicate findings to lenders and managers; and prepare reports tracking financial information and its receipt.
Participate in identifying, measuring, monitoring, controlling, and mitigating credit risk in the commercial loan portfolio.
Obtain, analyze, and incorporate third-party borrower information, such as credit reports, CoStar, and RMA information.
Accompany commercial lenders on calls and inspections and help present loan requests to approvers as needed.
Assist with the loan review cycle and classified-asset reporting.
Attend and participate in department meetings as necessary.
Maintain orderly, up-to-date credit files.
Take ownership of accepted tasks.
Take a proactive approach to learning and career development.
Understand and promote the bank’s credit culture and credit policies.
Follow the bank’s compliance requirements and risk-management concepts, expectations, policies, and procedures in daily work.
Deliver consistent, high-level service within the bank’s Serving More standards.
Perform other duties as assigned.