Commercial Credit Analyst II

Park National Bank • Franklin, TN

2d • Hybrid

About The Position

The Commercial Credit Analyst II applies the bank’s credit culture and policies and independently underwrites commercial credit requests in accordance with regulations, compliance requirements, bank policy, and legal requirements. The role analyzes financial information, repayment capacity, collateral, industry and management risks, and develops appropriate loan structures and covenants. It also supports Commercial Lenders with portfolio management, customer interactions, loan documentation, presentations, and classified asset reporting. The analyst may help train junior analysts or manage a small group of analysts. This is a full-time, exempt position with typical office hours of Monday through Friday, 8 a.m. to 5 p.m., and a minimum 40-hour workweek. Additional time may be necessary based on customer and bank needs. The position offers a flexible work arrangement with the opportunity to work both in the office and remotely. Travel to customers and prospects is expected.

Requirements

• Bachelor’s degree in a business field; finance or accounting is preferred.
• For candidates with other degree concentrations, at least five years of relevant experience is required.
• 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 up to 50% of the time, and communicate with coworkers, customers, or stakeholders to exchange accurate information.

Nice To Haves

• Finance or accounting concentration in a business degree.

Responsibilities

• Apply the bank’s credit culture and credit policies and serve as a policy expert.
• Use independent judgment and critical thinking to compile financial data and accurately represent credit risk, including global cash flow, collateral, industry, management, and repayment capacity analyses.
• Independently underwrite credit requests in accordance with regulations, compliance requirements, bank policy, and legal requirements.
• Accept credit requests directly from borrowers and make initial decisions about declining or proceeding with requests.
• Recommend risk grades and support them with identified risks, mitigants, and strengths.
• Serve as a resource for credit write-ups, 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 warning of potential credit risk and mitigate losses.
• Assist with training junior analysts and 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 help customers obtain updated financial statements.
• 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 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 in daily work.
• Deliver consistent, high-level service in accordance with Serving More standards.
• Perform other duties as assigned.

What This Job Offers

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