Commercial Credit Analyst II

Park National Bank•Franklin, TN

5d•Hybrid

About The Position

This role involves applying the bank's credit culture and policies, acting as a policy expert. The analyst will use independent judgment and critical thinking to analyze key financial data, assess credit risk, and ensure accurate representation in loan requests. This includes performing global cash flow analysis, collateral analysis, industry analysis, management analysis, and evaluating overall repayment capacity. The analyst will independently complete underwriting in accordance with regulations, compliance terms, bank policy, and legal requirements. They will also accept credit requests directly from borrowers, make initial decisions on declination or proceeding, and recommend appropriate risk grades with supporting justifications. The position is considered a valuable resource for credit write-ups, template completion, and tax return analysis. A key aspect of the role is proactively assisting Commercial Lenders in portfolio management, including the annual review process, loan review preparation, and regulatory examinations, potentially managing these processes. The analyst will spread financial statements and tax returns, analyze historical performance, and review proformas for reasonableness. Developing appropriate loan covenants and structures to mitigate risk is also a responsibility. The role may involve training junior analysts and potentially managing a small group. Additionally, the analyst will review and analyze appraisals, understand complex loan documents, and assist with loan documentation preparation. Customer interaction includes participating in meetings, inspecting properties, preparing customer communications, handling simple loan closings, and obtaining updated financial statements. The analyst will assist Commercial Lenders in presenting loan requests to approvers and committees, and may present credit requests themselves. Obtaining and analyzing third-party borrower information, maintaining data integrity, preparing reports, tracking financial information, and working with Commercial Lenders on classified assets are also required. Maintaining awareness of and adherence to the Bank's compliance requirements and risk management concepts is essential.

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
Travel to customers and prospects is expected.
Must be able to remain in a stationary position a maximum of 50% of the time.
Must be able to constantly operate a computer up to 50% of the time.
Must be able to be in constant communication with coworkers, customers, or stakeholders to discuss and observe facts and data in order to exchange accurate information.

Responsibilities

Apply the bank’s credit culture and credit policies; act as a policy expert.
Use independent judgment and critical thinking in the compilation of key financial data for the accurate representation of credit risk in loan requests, including global cash flow analysis, collateral analysis, industry analysis, 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; make initial decision with regard to declination or proceeding in the credit request process.
Recommend appropriate risk grade, supporting the grade with risks, mitigants, and strengths.
Serve as a valuable resource for the credit write-up/template and tax return analysis.
Proactively assist the Commercial Lenders in portfolio management functions including seeking out and assisting in the annual review process, loan review preparation, and in regulatory examinations; may manage said processes and examinations.
Spread financial statements and tax returns and analyze historical performance; review proformas for reasonableness.
Develop appropriate loan covenants to provide advance warning of potential credit risk and mitigate losses; develop proper loan structures.
Assist in the training of junior analysts as needed; 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; assist Commercial Lenders in working with outside legal counsel to prepare and execute loan documentation.
Participate in customer meetings; independently inspect properties; prepare customer communication on behalf of the Commercial Lender; handle simple loan closings for the Commercial Lender; work with customers in obtaining updated financial statements.
Assist Commercial Lenders with presenting loan requests to approvers, Senior Lenders, and Loan Committee as needed; attend and participate in other meetings; may present credit requests on behalf of Commercial Lenders.
Obtain, analyze, and incorporate third-party borrower information (e.g., credit reports); research inconsistencies.
Maintain data integrity.
Prepare pertinent reports, track financial information and receipt thereof.
Work with the Commercial Lender on classified assets and reporting thereof.
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.
Other duties as assigned.