Commercial Credit Analyst

Forte Bank•Hartford, WI

3d•Onsite

About The Position

Are you passionate about making a meaningful impact in the world of finance? Do you thrive in a dynamic, collaborative environment where your skills and expertise are valued? If so, we have an exciting opportunity for you! We are seeking a Full-time Commercial Credit Analyst in our Hartford, WI office (on-site). As a Commercial Credit Analyst, you'll play a vital role in underwriting, credit monitoring, and portfolio management of Commercial Banking relationships to achieve efficiencies and quality of the process and product, retention, and expansion of existing client relationships. Under the direction of the Chief Credit Officer, you'll analyze financial data to determine the merits of loan requests (including adherence to loan policy), recommending structure and collecting financial statements.

Requirements

High School Diploma with 3+ years of commercial banking or credit analyst experience
Very strong proficiency in Microsoft Word and Excel required
Excellent social, verbal, and written communication skills
Ability to interact positively and communicate well with internal and external customers
Ability to work collaboratively in a team environment
Must possess a strong commitment to maintain the confidentiality of customer information

Nice To Haves

4-year college degree in Business, Finance or Accounting preferred
Experience with credit analysis and credit administration software preferred

Responsibilities

Underwrites business purpose loan requests through the analysis of applicant financial statements and tax returns, personal financial statements, personal credit reports, collateral, overall debt service, and external economic factors. Recommends approval, denial, or alternate loan structuring to the loan officer and approving authority.
Evaluates the loan's collateral values and lien status using public record information, secretary of state data, appraisals, assessors' information, and other sources. Estimates the values of collateral based on such factors as visual inspections, file data, property data, and online sources.
Updates loan risk ratings by analyzing updated financial information so that senior management can assess the quality of the loan portfolio and identify deteriorating relationships.
Assists with borrower monitoring requirements by accurately maintaining the bank's database of ongoing financial statements, borrowing base certificates, aging reports, portfolio reports, and other statements to document customers' ongoing financial condition.
Participates in Officers' and Directors' loan committee meetings. Assists in the preparation of monthly and quarterly loan reports. Assists the loan department during regulatory examinations and audits.