Commercial Credit Analyst III

Park National Bank • Chattanooga, TN

2d

About The Position

The Commercial Credit Analyst III applies the bank’s credit culture, policies, regulations, compliance terms, and legal requirements to commercial loan underwriting and portfolio management. The role independently analyzes borrower financial information and credit risk, makes initial decisions on whether to proceed with credit requests, and recommends risk grades, loan structures, and covenants. It also supports Commercial Lenders through portfolio reviews, customer interactions, loan documentation, presentations, and regulatory examinations. The position may manage processes or examinations and may supervise or mentor junior analysts.

Requirements

• Demonstrated knowledge and applied use of financial statements and complex tax returns.
• Interpersonal and customer service skills.
• Written and verbal communication skills.
• Ability to understand and follow directions.
• Basic computer skills.
• Leadership and management skills.
• Ability to build collaborative relationships.
• Ability to develop and mentor others.
• Organizational skills and attention to detail.
• Analytical thinking and problem/situational analysis skills.
• Technical expertise and critical thinking skills.

Responsibilities

• Apply the bank’s credit culture and policies and serve as a policy expert.
• Use independent judgment and critical thinking to compile and analyze financial data for loan requests, including global cash flow, collateral, industry, management, and repayment capacity.
• Independently complete underwriting in accordance with regulations, compliance terms, bank policy, and legal requirements.
• Accept credit requests directly from borrowers and make an initial decision on whether to decline or proceed.
• Recommend appropriate risk grades and support them with identified risks, mitigants, and strengths.
• Provide expertise in 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 loan covenants that provide early warning of potential credit risk and help mitigate losses, and develop appropriate loan structures.
• 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 in presenting loan requests to approvers, Senior Lenders, and Loan Committee; attend and participate in other meetings and may present credit requests on their behalf.
• Obtain, analyze, and incorporate third-party borrower information, such as credit reports, and research inconsistencies.
• Maintain data integrity.
• Prepare relevant reports and track financial information and its receipt.
• Work with Commercial Lenders on classified assets and related reporting.
• Maintain awareness of and adhere to bank compliance requirements, risk management concepts, expectations, policies, and procedures, applying them to daily work.
• Deliver a consistent, high level of service within the bank’s Serving More standards.
• Perform other duties as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed