Commercial Credit Analyst II

Park National Bank•Franklin, TN

17h•Hybrid

About The Position

This role involves applying the bank's credit culture and policies, using independent judgment for financial data compilation, and assessing credit risk. The analyst will complete underwriting according to regulations and policies, accept credit requests from borrowers, and make initial decisions. They will recommend risk grades, analyze financial statements and tax returns, and develop loan covenants and structures. The position also includes assisting Commercial Lenders with portfolio management, loan review preparation, and regulatory examinations. Responsibilities extend to reviewing appraisals, understanding loan documents, participating in customer meetings, inspecting properties, and handling simple loan closings. The analyst will also obtain and analyze third-party borrower information, maintain data integrity, prepare reports, and work with classified assets. Adherence to compliance requirements and risk management concepts is essential, along with delivering excellent customer service.

Requirements

Bachelor's degree in a business field, preferably finance or accounting. Other concentrations will be considered with at least five years relevant experience required.
Interpersonal/Customer Service Skills
Written and Verbal Communication
Ability to understand and follow directions
Adaptable to change
Basic Computer Skills
Organizational Skills/Detail Oriented
Analytical Thinking
Problem/Situation Analysis
Technical Expertise
Ability to build collaborative relationships
Ability to develop or mentor others
Ability to work as part of a team
At least five years relevant experience required if concentration is not finance or accounting.

Responsibilities

Apply the bank’s credit culture and credit policies; act as a policy expert.
Use independent judgment and critical thinking in compiling key financial data for accurate credit risk representation, including global cash flow, collateral, industry, and management analysis, and overall repayment capacity.
Independently complete underwriting in accordance with current regulations, compliance terms, bank policy, and legal requirements.
Accept credit requests directly from borrowers and make initial decisions regarding declination or proceeding.
Recommend appropriate risk grades, supporting the grade with risks, mitigants, and strengths.
Serve as a resource for credit write-up/template and tax return analysis.
Proactively assist Commercial Lenders in portfolio management, including annual reviews, loan review preparation, and regulatory examinations; may manage these processes.
Spread financial statements and tax returns, analyze historical performance, and review proformas for reasonableness.
Develop appropriate loan covenants and proper loan structures to provide advance warning of potential credit risk and mitigate losses.
Assist in training junior analysts and may manage a small group of other credit analysts or related positions.
Review and analyze appraisals for market, credit, construction, and economic risks.
Understand more complicated loan documents and assist Commercial Lenders in working with outside legal counsel.
Participate in customer meetings, independently inspect properties, prepare customer communication, handle simple loan closings, and work with customers to obtain updated financial statements.
Assist Commercial Lenders with presenting loan requests to approvers, Senior Lenders, and Loan Committee; attend and participate in other meetings; may present credit requests.
Obtain, analyze, and incorporate third-party borrower information (e.g., credit reports) and research inconsistencies.
Maintain data integrity.
Prepare pertinent reports and track financial information and receipt thereof.
Work with the Commercial Lender on classified assets and reporting.
Maintain awareness of and adherence to Bank’s compliance requirements and risk management concepts, expectations, policies, and procedures and apply them to daily tasks.
Deliver a consistent, high level of service within our Serving More standards.
Perform other duties as assigned.