Credit Analyst - CRE
About The Position
The Credit Analyst position is responsible for the written analysis and underwriting of the credit worthiness of new loan proposals as well as existing loans, identifying credit policy exceptions and other credit issues in order to identify and protect the asset quality of the Bank’s commercial loans. In this role you will: Support the Bank’s “People First” focus and rules of engagement—maintaining a professional demeanor, working as an active member of the CNOB team, providing all clients excellent service, always striving to make CNOB “A Better Place to Be”. Prepare all aspects of credit analyses for loan requests including financial statement analysis, collateral analysis (including third party reports), risk rating recommendations, trend analysis, and identifying the credit’s strengths and weaknesses. Assist with the preparation of a written recommendation as to whether the proposed loan should be approved as presented; provide alternate loan structure recommendations as appropriate. Prepare financial statement spreadsheets including a measurement of various financial ratio trends to evaluate financial status. Assist the Loan Officers with the completion of annual loan reviews, as required. Assist in the outgoing mailing of annual financial statement follow-up letters to borrowers; track and monitor the Bank’s receipt of this information. As needed, attend Loan Committee meetings and assist with the preparation of the minutes. Retrieve credit reports for individual borrowers and/or guarantors. Order flood search as appropriate.
Requirements
- Knowledge of relevant Federal and State banking regulations.
- Working knowledge of basic accounting principles and credit concepts.
- Credit training.
- Working knowledge of Google apps and products.
- Knowledge of commercial investment properties.
- Good understanding of basic loan documentation and general banking principles.
- A minimum of two years of credit analysis experience.
Nice To Haves
- Strong “People First” interest and ability.
- Formal Bank Credit Training
- Working knowledge of the nCino platform is preferred.
Responsibilities
- Support the Bank’s “People First” focus and rules of engagement—maintaining a professional demeanor, working as an active member of the CNOB team, providing all clients excellent service, always striving to make CNOB “A Better Place to Be”.
- Prepare all aspects of credit analyses for loan requests including financial statement analysis, collateral analysis (including third party reports), risk rating recommendations, trend analysis, and identifying the credit’s strengths and weaknesses.
- Assist with the preparation of a written recommendation as to whether the proposed loan should be approved as presented; provide alternate loan structure recommendations as appropriate.
- Prepare financial statement spreadsheets including a measurement of various financial ratio trends to evaluate financial status.
- Assist the Loan Officers with the completion of annual loan reviews, as required.
- Assist in the outgoing mailing of annual financial statement follow-up letters to borrowers; track and monitor the Bank’s receipt of this information.
- As needed, attend Loan Committee meetings and assist with the preparation of the minutes.
- Retrieve credit reports for individual borrowers and/or guarantors.
- Order flood search as appropriate.
Benefits
- World class health, vision, and dental benefits on day one
- 401k with employer match
- Hybrid work from home (depending on role)
- Employee appreciation events (team building, softball games, food truck days, etc..)
- Employee assistance programs (EAP)
- Wellness programs (flu shot, preventive care, health programs and services discounts, etc..)
- Tuition reimbursement
- Employee Discount perks
- CNOB Community Service Events
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
