Commercial Credit Analyst

Home Bank SB•Martinsville, IN

About The Position

The Commercial Credit Analyst is responsible for ensuring quality underwriting, compliance and credit monitoring within the banks entire loan portfolio, supporting new business development while applying credit risk policy. The Commercial Credit Analyst will also perform all required annual reviews on the Commercial Loan Portfolio. Responsibilities include operating within all policies and procedures adopted by the Board of Directors. ESSENTIAL FUNCTIONS Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Assist with underwriting and financial updates as needed Development, implementation and maintenance of borrower risk ratings and credit Ensure the overall portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures Ensure appropriate balance between customer risk and pricing Provide loan processing support for the bank. This will involve documentation preparation and maintenance to ensure that all information is entered accurately as well as monitoring and maintaining the loans in process. Maintain knowledge of current loan documentation guidelines for commercial loans to perfect the banks lien on the collateral. Handle SBA loan monitoring, payment processing and correspondence with our SBA servicing agent. Maintain, review and process insurance certifications and report tracking to ensure all collateral insurance is up to date. Mains independence and objectivity in carrying out job responsibilities Track all financial statement tracking requirements on commercial loans by updating the system as new statements are received and preparing and mailing financial statement request letters as needed.

Requirements

Must have a high school degree or equivalent
This job requires skills needed in a typical office environment. This includes computer skills, communications skills, as well as utilization of office equipment.
Self-motivated, detail-oriented
Ability to be flexible, prioritize, organize, problem-solve, and follow-up
Ability to interact with others in a professional and personable manner

Responsibilities

Assist with underwriting and financial updates as needed
Development, implementation and maintenance of borrower risk ratings and credit
Ensure the overall portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures
Ensure appropriate balance between customer risk and pricing
Provide loan processing support for the bank. This will involve documentation preparation and maintenance to ensure that all information is entered accurately as well as monitoring and maintaining the loans in process.
Maintain knowledge of current loan documentation guidelines for commercial loans to perfect the banks lien on the collateral.
Handle SBA loan monitoring, payment processing and correspondence with our SBA servicing agent.
Maintain, review and process insurance certifications and report tracking to ensure all collateral insurance is up to date.
Maintains independence and objectivity in carrying out job responsibilities
Track all financial statement tracking requirements on commercial loans by updating the system as new statements are received and preparing and mailing financial statement request letters as needed.