Commercial Credit Analyst
About The Position
The Credit Analyst is responsible for supporting the screening and underwriting of new business opportunities, conducting annual reviews, and managing ongoing credit maintenance for the Asset-Based BDC Lending portfolio within Apple Bank’s Commercial Banking Division. This role involves evaluating prospective transactions to ensure alignment with the approved Asset-Based BDC Lending program and providing continuous portfolio oversight, including covenant monitoring, underwriting and assessment of credit changes, collections and workout management, annual reviews, financial statement analysis, and periodic risk rating updates.
Requirements
- Bachelor's degree in business or finance is required
- 1–3 years of relevant professional experience.
- Foundational knowledge of financial statements and credit analysis.
- Strong quantitative abilities and proficiency in Microsoft Excel.
- Exceptional verbal and written communication skills.
- Demonstrated ability to prioritize assignments with an emphasis on delivering high-quality outcomes.
- Meticulous attention to detail, adaptability in a dynamic work environment, commitment to customer service, and a strong sense of urgency are essential.
- Must exhibit a sustained commitment to the long-term success of the Bank.
Nice To Haves
- master's degree is a plus
Responsibilities
- Participate in the evaluation, underwriting, and due diligence of new business opportunities.
- Support credit oversight of the Asset-Based BDC Lending portfolio, including covenant monitoring, financial statement analysis, credit modifications, collections, workouts, annual reviews, and risk rating updates and approvals.
- Review loan applications and related financial statements to assess borrowing capacity, capitalization, and cash flow.
- Prepare detailed credit reports to support decision-making and conduct customer due diligence to identify potential red flags for both existing borrowers and prospective clients.
- Assist with servicing and managing the existing loan portfolio.
- Monitor portfolio performance, identify potential credit concerns, and analyze trends.
- Help assess borrower collateral positions through appraisal reviews and financial analysis.
- Ensure financial statements are current and comply with loan agreement requirements.
- Keep up to date on industry trends and developments.
- Perform other duties as assigned.
Benefits
- Visa sponsorship not available.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
