Commercial Credit Analyst

Fortis Bank USA • Denver, CO

413d • $70,000 - $80,000

About The Position

The Fortis Commercial Credit Analyst will participate in a Rotational Program across various commercial banking verticals, including Commercial and Industrial (C&I), Commercial Real Estate (CRE), Small Business Administration (SBA) Lending, and Capital Finance. This role focuses on developing expertise in commercial banking, underwriting, and managing a portfolio while collaborating with Portfolio Managers and Relationship Managers to assist in underwriting new loan opportunities and servicing existing clients.

Requirements

• Bachelor's Degree with an emphasis in Finance and/or Accounting required.
• 1-2 years of relevant experience within banking or financial services required.
• Proficient and experienced in Microsoft Office suite products including Outlook, Microsoft Teams, Word, Excel, and PowerPoint.
• Strong ability to adapt to systems and technology, including client relationship management tools and banking core systems.
• Excellent organizational skills, with the ability to multitask, prioritize, and manage time efficiently.
• Strong interpersonal skills, with the ability to build meaningful professional relationships.

Nice To Haves

• Familiarity with nCino, PrecisionLender, and Salesforce Reporting is preferred.

Responsibilities

• Successfully complete specific courses within the credit analysis training program within the first three months.
• Conduct financial analysis and spreading of borrower and guarantors, including business and personal financial statements, tax returns, and other documents.
• Complete global cash flow computations, calculate performance ratios, and analyze multi-year trends.
• Develop a thorough understanding of client cash flows and report on same, including identifying recurring and non-recurring sources.
• Research industry trends and data to identify questions and risks for each credit.
• Perform analysis of loan collateral: accounts receivable, equipment, inventory, real estate, and/or marketable securities.
• Monitor existing credits for compliance with financial and reporting covenants.
• Track loan policy exceptions and loan file document exceptions.
• Author high-quality credit narratives within the pre-flight memos or credit memos, detailing the requested transaction, strengths, key risks, and financial performance.
• Demonstrate understanding of the loan process from start to finish, including preflight memos, underwriting, loan documentation, loan servicing, etc.
• Other duties as assigned.

Benefits

• Hybrid work schedule with 3-4 days in the office per week.
• Opportunity for professional development and training within the credit analysis program.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: Bachelor's degree
• Number of Employees: 1,001-5,000 employees