Commercial Credit Analyst II
About The Position
The Commercial Credit Analyst II analyzes credit information to support credit decisions for current and prospective commercial borrowers across a variety of diversified loans. The position works with Commercial Lenders on complex approval memos, renewals, and loan modifications, and supports the protection and oversight of the commercial loan portfolio. The analyst also maintains loan records and ticklers, monitors borrower financial information, reviews appraisals and environmental reports, prepares reports and credit history comments, and helps train junior team members. The role provides responsive service to Bank customers and performs duties in accordance with regulatory compliance guidelines and established Bank policies, strategies, and procedures. This is an office-based position with clerical and analytical work, including extended periods of sitting and computer use. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Requirements
- Bachelor’s degree in Finance, Accounting, or a related field.
- At least two years of direct commercial credit analysis experience, together with formal credit training.
- Demonstrated ability to complete complex credit analyses without managerial guidance, with an acceptable level of corrections.
- Proficiency with Microsoft Office applications, including Word, Excel, and PowerPoint.
- Experience with financial spreading software, commercial software applications, and banking core data platforms.
- Excellent verbal and written communication skills.
- Ability to multitask in a team-oriented environment, maintain a strong customer-service focus, and deliver finished work within predetermined timeframes.
- Ability to interact effectively with customers and respond tactfully and professionally to sensitive inquiries or complaints.
- Strong quantitative and analytical skills, including the ability to interpret complex documents and calculate discount rates, interest rates, commissions, proportions, percentages, and ratios.
- Solid understanding of accounting principles and federal tax reporting.
- Ability to define problems, collect data, establish facts, think critically, solve problems analytically, and draw valid conclusions.
- Ability to type, write, and file; move throughout the office; sit for extended periods; see and hear in an office setting; and transport up to 20 pounds.
Responsibilities
- Spread and analyze financial statements and present credit recommendations verbally or in writing.
- Work directly with Commercial Lenders to prepare approval memos, renewal requests, and higher-complexity loan modifications with minimal oversight.
- Assist in protecting commercial portfolio asset quality by preparing annual reviews for higher-complexity commercial relationships.
- Maintain tickler systems within the Loan Origination platform to ensure accurate recordkeeping.
- Assist in monitoring requests for and receipt of borrowers’ financial statements.
- Order, receive, track, and review appraisals and environmental reports.
- Prepare standard reports regularly and as needed, and suggest report enhancements.
- Prepare quarterly credit history comments summarizing loans as needed.
- Provide a high level of service and responsiveness to Bank customers.
- Perform duties in accordance with regulatory compliance guidelines and established Bank policies, strategies, and procedures.
- Mentor and assist in training junior team members.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
