Commercial Credit Analyst II/III
About The Position
This role facilitates aspects of credit underwriting and monitoring for new and existing commercial clients. It involves completing credit analyses, evaluating risk, and preparing financial analyses using various tools and systems. The analyst reviews financial statements and projections, industry data, covenant compliance, collateral, and policy requirements to help ensure credit decisions align with the bank’s risk appetite. The role manages credit activities supporting commercial credit underwriting, including financial spreading, risk-rating scorecards, and covenant testing. It also involves analyzing ongoing credit activity and escalating concerns to the credit team as appropriate. The position is posted as Commercial Credit Analyst I and may be filled at the Commercial Credit Analyst II or III level at the manager’s discretion.
Requirements
- Credit and risk assessment
- Financial analysis
- Understanding of financial accounting principles
- Knowledge of credit documentation requirements
- Critical thinking
- Prioritization
- Attention to detail
- Business acumen
- Decision making
- Written communication
- Client management
- Recording and organizing information
- Analytical thinking
- A BA/BS degree in Finance, Accounting, or Business Administration is preferred, or 1–3 years of relevant work experience.
Nice To Haves
- Financial forecasting and modeling
- Collateral management
- Underwriting
- Financial ratio analysis
Responsibilities
- Analyze financial statements and summarize existing clients’ performance through periodic risk profile reviews.
- Partner with credit and client teams within Centralized and Regional Credit Lines of Business.
- Manage risk through accurate financial spreading, risk rating, and covenant test calculations.
- Review policies and procedures thoroughly and participate in continuing education sessions.
- Collaborate with peers to manage optimal workflow.
- Identify and escalate process breakdowns.
- Analyze ongoing credit activity and escalate issues to the credit team as appropriate.
Benefits
- Paid time off
- Access to resources and support for employees
- Eligibility to participate in an annual discretionary incentive plan
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
