Commercial Credit Analyst II

Park National Bank • Greenville, SC

4d • Hybrid

About The Position

The Commercial Credit Analyst II applies the bank’s credit culture, policies, regulations, compliance requirements, and legal requirements to independently underwrite commercial credit requests and assess credit risk. The role analyzes financial statements, tax returns, cash flow, collateral, industries, management, repayment capacity, appraisals, and third-party borrower information; recommends risk grades, loan structures, and covenants; and supports Commercial Lenders with portfolio management, loan documentation, customer interactions, presentations, and reporting. The position may manage processes, examinations, or a small group of analysts, and may assist in training junior analysts. It is a full-time, exempt position with typical office hours Monday through Friday, 8 a.m. to 5 p.m., and requires at least 40 hours per week. Additional time may be necessary based on customer and bank needs. The position is eligible for a flexible arrangement that includes working both in the office and remotely, and travel to customers and prospects is expected.

Requirements

• Bachelor’s degree in a business field, preferably finance or accounting.
• Other degree concentrations may be considered with at least five 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.
• Technical expertise.
• Ability to build collaborative relationships and work as part of a team.
• Ability to develop or mentor others.
• Ability to travel to customers and prospects.
• Ability to remain stationary for up to 50% of the time, operate a computer constantly for up to 50% of the time, and communicate with coworkers, customers, or stakeholders to discuss and observe facts and data and exchange accurate information.

Responsibilities

• Apply the bank’s credit culture and policies and serve as a policy expert.
• Use independent judgment and critical thinking to compile and analyze financial data for accurate assessment of credit risk, including global cash flow, collateral, industry, management, and repayment capacity.
• Independently underwrite credit requests in accordance with regulations, compliance terms, bank policy, and legal requirements.
• Accept credit requests directly from borrowers and make an initial decision on whether to decline or proceed with the request.
• Recommend appropriate risk grades and support them with risks, mitigants, and strengths.
• Provide expertise in credit write-ups and templates and tax return analysis.
• Assist Commercial Lenders with portfolio management, annual reviews, loan review preparation, and regulatory examinations; may manage these processes and examinations.
• Spread financial statements and tax returns, analyze historical performance, and review pro formas for reasonableness.
• Develop appropriate loan covenants and structures to provide early warning of potential credit risk and mitigate losses.
• Assist in training junior analysts as needed; may manage a small group of credit analysts or related positions.
• Review and analyze appraisals for market, credit, construction, and economic risks.
• Understand complex loan documents and assist Commercial Lenders and outside legal counsel with preparing and executing loan documentation.
• Participate in customer meetings, independently inspect properties, prepare customer communications on behalf of Commercial Lenders, handle simple loan closings, and obtain updated financial statements from customers.
• Assist Commercial Lenders with presenting loan requests to approvers, Senior Lenders, and Loan Committee; attend and participate in meetings and may present credit requests on behalf of Commercial Lenders.
• Obtain, analyze, and incorporate third-party borrower information, such as credit reports, and research inconsistencies.
• Maintain data integrity.
• Prepare pertinent reports and track financial information and its receipt.
• Work with Commercial Lenders on classified assets and related reporting.
• Maintain awareness of and adhere to the bank’s compliance requirements, risk management concepts, expectations, policies, and procedures, applying them to daily tasks.
• Deliver a consistent, high level of service within the bank’s Serving More standards.
• Perform other duties as assigned.

What This Job Offers

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