Commercial Credit Analyst II

Investar Bank National As • Baton Rouge, LA

413d

About The Position

The Commercial Credit Analyst II at Investar Bank is responsible for prescreening and underwriting loan requests related to commercial real estate and commercial and industrial transactions. This role involves analyzing financial statements, tax returns, and other relevant financial information to recommend loan approvals and structures, ensuring compliance with service level agreements and quality standards.

Requirements

• Bachelor's degree in Finance or a related field (or equivalent experience) required.
• 3+ years of experience in commercial loan underwriting required.
• Excellent written and verbal communication skills.
• Strong decision-making skills and sensitivity when dealing with confidential information.
• Proficiency in MS Office (Word, Excel, and Outlook).
• Good organizational skills and ability to perform detailed tasks with accuracy.

Responsibilities

• Proactively manages and completes assignments in a high production environment to meet service level agreements and turn time targets.
• Reviews borrower financial statements, tax returns, and other relevant financial information to perform cash flow and reserve analyses.
• Analyzes leases, rent rolls, and operating statements for multi-family and commercial investment properties, developing pro-forma cash flow statements.
• Reviews title reports, appraisals, environmental site assessments, and other third-party reports related to commercial properties offered as collateral.
• Assesses the location, physical condition, economic viability, quality of management, and marketability of commercial real estate collateral.
• Reviews receivables aging reports, inventory reports, and equipment valuations critical to analyzing commercial and industrial loan requests.
• Monitors ongoing covenants of commercial real estate and industrial loan requests, including borrowing bases and approving draws on asset-based lines of credit.
• Reviews borrower organizational documents, credit reports, and other documentation for proper credit analysis.
• Independently develops rationale for recommending approval or decline of loan requests.
• Prepares written credit workbooks including household summaries, loan summaries, transaction explanations, and credit recommendations.
• Conducts periodic reviews of loans and loan relationships in accordance with bank policy.
• Assists loan officers in collecting updated tax returns and financial statements required for underwriting new loan requests.
• Ensures compliance with applicable laws, regulations, policies, and guidelines.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Bachelor's degree