Commercial Credit Analyst II
About The Position
The Commercial Credit Analyst II analyzes commercial credit requests and existing commercial loan relationships. The role prepares financial statement analyses and credit memoranda for loan decisioning, recommends risk ratings, and conducts credit reviews to assess borrowers’ financial condition and the overall quality of the commercial loan portfolio. The analyst also supports financial statement tracking, document quality control, portfolio reporting, and Executive Loan Committee preparation as needed. The position requires compliance with regulatory guidelines and protection of confidential customer information and the Bank’s technology resources. The Bank also encourages participation in qualifying community development service and volunteer activities within its assessment area.
Requirements
- Bachelor’s degree specializing in accounting, finance, or business administration.
- Two to five years of experience in commercial credit analysis, including operational experience with financial statement and economic analysis and credit administration.
- Strong analytical, communication, grammatical writing, and organizational skills; attention to detail and efficiency in handling multiple priorities.
- Advanced personal computer and MS Office knowledge.
- Working knowledge of commercial loan origination, underwriting, documentation, and management software systems.
- Competency in written and spoken English.
- Knowledge of banking rules and regulations and common compliance issues.
Responsibilities
- Analyze moderate to complex commercial credit requests, including spreading and interpreting financial statements and preparing memoranda for loan decisioning.
- Recommend risk ratings and prepare Risk Rating Cards.
- Review existing commercial loan relationships by analyzing updated financial statements and other information, assessing financial condition and credit quality, and updating risk rating recommendations.
- Assist with financial statement spreading and tracking to keep the database current, and assist with quality control audits of financial documents as needed.
- Prepare agendas and reports for Executive Loan Committee meetings and upload materials to the committee web portal as needed.
- Prepare and distribute recurring reports used to monitor and administer the commercial loan portfolio as needed.
- Attend customer calls when appropriate, including calls involving new, larger, more complex, or high-credit-risk relationships.
- Perform duties in accordance with regulatory compliance guidelines.
- Protect non-public customer information and information technology resources, follow the Bank’s Acceptable Use Policy, participate in security awareness training, and pass social engineering testing.
- Perform other related or unrelated duties as required.
- Participate in qualifying community development services or CRA-qualified volunteer activities, encouraged by the Bank.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
