Commercial Credit Analyst II-BSL

Stifel•St. Louis, MO

1d•Onsite

About The Position

The Commercial Credit Analyst II (CCAII) will provide support to Commercial Lenders and Portfolio Managers with an emphasis on financial analysis in determining a borrower's creditworthiness. The CCAII will have exposure to private and public companies over various industries, cash flow and other types of lending, and direct and syndicated loan opportunities.

Requirements

Self-motivated with a strong work ethic.
Strong ability to communicate (written and oral) effectively.
Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data.
Use logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or problem approaches.
Strong ability to produce high-quality work products independently and as part of a collegial team.
Bachelor's Degree in finance, accounting, or another business-related field.
3-5 years of commercial credit analyst work or related experience.
Proficient in Microsoft Word, Excel, PowerPoint, and Outlook.

Nice To Haves

May mentor and educate lower-level CCAs as needed.

Responsibilities

Analyze business financial statements and create cash flow models to support new and existing commercial loans, renewal requests, and amendments.
Assist in preparing credit evaluation memorandums, annual and quarterly reviews, and accurate and timely risk ratings.
Assist in the ongoing management and monitoring of a commercial loan portfolio.
Prepare quarterly trend analysis with situation updates and risk rating evaluations for assigned borrowers.
Ensure that certain financial statements and compliance certificates are up-to-date.
Maintain in-depth knowledge of the soundness of borrowers and collateral through financial research, including evaluating financial statements and analyzing third-party data.
Assist in preparing monthly Bank Board of Directors reports summarizing commercial relationships.
Lead, mentor, and train less-experienced Credit Analysts.