Commercial Credit Analyst

CFBank • Columbus, OH

5d • Onsite

About The Position

This opportunity is best for candidates who have an interest in building a career in commercial lending and are seeking increased exposure, visibility, and potential impact. In this role, you will be part of a high-powered Credit team, who partners closely with our commercial sales teams across all our growing markets. Our commercial banking team is encouraged to generate a wide range of relationships spanning business banking and the middle market so expect variety in your daily work! A great opportunity to maintain an expansive skillset with direct access to executive management, all while serving a wide range of needs in local business communities.

Responsibilities

• Responsible for underwriting and credit analysis in the areas of commercial lending, commercial real estate lending, and credit administration.
• Analyze financial records including earnings, savings, payments, and purchase of the company or individual and recommend other useful financial activity for further plans.
• Compare liquidity, profitability, and credit histories of individuals or companies being evaluated with similar establishments to determine risk.
• Complete loan applications, including credit analyses and summaries of loan requests, and submit for approval.
• Minimize bad debt risk and maximize accounts receivable collections.
• Generate financial ratios, using computer programs, to evaluate customers' financial status.
• Comply with internal security policies and procedures and maintain customer confidentiality at all times.
• Adhere to all regulations, policies, and record-keeping requirements. Complete all required training related to bank regulations and policies.
• Accept other responsibilities and projects as requested to add value for CFBank.
• Spreads financial statements for Borrower and Guarantor using the credit presentation software program.
• Processes covenant testing according to procedures established by the Credit area of the Bank. Report deficiencies in covenant to management and loan officer.
• Assists Credit Administration in the review of real estate appraisals and evaluations as necessary prior to loan closings.
• Demonstrates proficiency in independently dealing with deadlines, managing workflow, and understanding processes in a timely manner.
• Participates in weekly credit committee meetings, presents loan packages to the executive board as necessary to outline strengths/weaknesses in the deal accordingly, responding to inquiries from officers and committee members' questions.
• Participates in weekly sales meetings to discuss current workflow and status of credit packages. Develops an understanding of past-due loans, discussion of pending items to note for the upcoming week.

Benefits

• Excellent Benefits Package: Top benefits include dependent coverage, generous PTO, Federal Holidays, and Paid Parental Leave for those who qualify for eligibility.
• Professional development opportunities including educational/training opportunities
• “Accelerated” 401k Plan and Employee Match of 50% of the first 8% deferred, available your first full month of employment with a 3-year vesting
• Employee Banking Promos and Direct Deposit of payroll to CFBank Account (over 90% of our employees bank with us!)
• Employee Assistance Program with a wide range of free resources such as estate planning and mental wellness resources
• One of the most collaborative environments you’ll find, with a team of hard-working mutually invested professionals who are excited about shared success

What This Job Offers

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