Credit Analyst II
About The Position
The Credit Analyst II performs financial analysis of borrower financial statements, cash flow, and commercial credit. The role analyzes larger and more complex commercial credits, including real estate and commercial and industrial loans, with the expectation of progressing to more complex analyses after meeting the minimum responsibilities. The analyst prepares well-written credit analyses with minimal revisions and completes reports accurately and within service timelines. The position involves analyzing credits with multiple collateral types, multiple guarantors, and industries with a limited number of companies, as well as unique commercial properties such as special-purpose properties or businesses with limited market share. The analyst communicates with lending officers, supervisors, and coworkers; mentors Credit Analyst I staff; protects confidential client and bank information; follows company policies; and completes monthly training on bank regulatory requirements, policies, and procedures. The work is performed in a standard office or retail banking setting and is sedentary for most of the workday, with movement around the workspace and use of office equipment.
Requirements
- Three to seven years of experience in financial statement analysis, commercial loan review, accounting financial analysis, or similar work.
- Experience with larger credits exceeding $1 million.
- Strong attention to detail and ability to complete work accurately.
- Ability to organize work.
- Strong written and verbal communication skills.
- Proficiency with the Microsoft Office suite.
- Ability to use a computer and telephone, including manipulating a keyboard, mouse, and/or keypad.
- Ability to decipher computer screens and written documents and to communicate and understand detailed information orally or in writing.
- Ability to lift and/or exert up to 10 pounds of force.
Nice To Haves
- Undergraduate degree in accounting, finance, real estate, business administration, or a related field.
Responsibilities
- Prepare financial statement spreadsheets.
- Perform financial analysis of commercial real estate and commercial and industrial loans, including more complex credits involving multiple collateral types, multiple guarantors, and industries with a limited number of companies.
- Prepare financial analyses for unique commercial property types, including special-purpose properties or commercial businesses with limited market share.
- Apply a strong understanding of accounting treatments typically found in financial statements of larger commercial credits.
- Prepare well-written loan financial analyses for presentation to loan officers and/or the loan committee.
- Complete quality financial analysis reports within service timeline expectations.
- Comply with the Mutual Charter Agreement between Credit/Underwriting and Commercial/Special Assets Relationship Management as posted on the Bank’s Intranet.
- Communicate effectively with lending officers, supervisors, and coworkers to support follow-up on credit reviews.
- Mentor Credit Analyst I.
- Protect client and bank information confidentially and follow company policies.
- Complete monthly training in a timely manner to maintain knowledge of bank regulatory requirements, policies, and procedures.
- Perform other specified duties as assigned.
Benefits
- Medical insurance
- Dental insurance
- Vision insurance
- 401(k) plan
- Company-paid life insurance
- Short- and long-term disability insurance
- Company-paid vacation
- Paid leave
- Paid holidays
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
