Commercial Credit Analyst II/III

Park National Bank • Dyersburg, TN

2d • Hybrid

About The Position

The Commercial Credit Analyst II/III applies the bank’s credit culture, policies, regulations, and legal requirements to commercial loan underwriting and portfolio management. The role independently assesses credit risk using financial and tax return analysis, global cash flow, collateral, industry and management analysis, repayment capacity, appraisals, and third-party borrower information. The analyst recommends risk grades, loan structures, and covenants, and may make initial decisions on whether to decline or advance borrower requests.

The position supports Commercial Lenders with portfolio reviews, loan review preparation, regulatory examinations, loan documentation, customer interactions, presentations to approvers and committees, and classified asset reporting. It may include managing processes or a small group of analysts and helping train junior analysts. The position requires travel to customers and prospects. It is eligible for a flexible work arrangement that includes working both in the office and remotely. Typical office hours are Monday through Friday, 8 a.m. to 5 p.m.; the position is exempt, requires at least 40 hours per week, and may require additional time based on customer and bank needs.

Requirements

• Bachelor’s degree in a business field; finance or accounting is preferred.
• For other degree concentrations, at least five years of relevant experience is required.
• Interpersonal and customer service skills.
• Written and verbal communication skills.
• Ability to understand and follow directions.
• Adaptability to change.
• Basic computer skills.
• Organizational skills and attention to detail.
• Analytical thinking and 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.

Responsibilities

• Apply the bank’s credit culture and policies; serve as a policy expert.
• Use independent judgment and critical thinking to compile financial data and accurately assess credit risk, including global cash flow, collateral, industry, management, and repayment capacity.
• Independently underwrite loans in accordance with current regulations, compliance terms, bank policy, and legal requirements.
• Accept credit requests directly from borrowers and make initial decisions about declining or proceeding with requests.
• Recommend appropriate risk grades, supported by identified risks, mitigants, and strengths.
• Serve as a resource for 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 and analyze financial statements and tax returns, review historical performance, and assess proformas for reasonableness.
• Develop appropriate loan covenants and structures to provide advance warning of credit risk and mitigate losses.
• 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 in working with outside legal counsel to prepare and execute loan documentation.
• Participate in customer meetings, independently inspect properties, prepare customer communications on behalf of Commercial Lenders, handle simple loan closings, and help customers provide updated financial statements.
• Assist Commercial Lenders with presenting loan requests to approvers, Senior Lenders, and Loan Committee; attend other meetings and may present credit requests on lenders’ behalf.
• Obtain, analyze, and incorporate third-party borrower information, such as credit reports, and research inconsistencies.
• Maintain data integrity.
• Prepare 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 in daily work.
• Deliver consistent, high-level service in accordance with Serving More standards.
• Perform other duties as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level