Credit Management - Credit Analyst II

NBH Bank•Jackson, WY

About The Position

As a Credit Analyst II, you will independently create and interpret financial spreads, policy ratios, global cash flow statements, and commercial real estate analyses. You will prepare Scope of Review worksheets for new credits, renewals, and annual reviews; interpret and summarize appraisals, organizational documents, and loan documents; and create Credit Approval Submissions for pending credits for Approval Officers and Senior Approval Officers. The role includes monitoring covenants and borrowing bases and assisting Approval and Senior Approval Officers with pre-qualification assessments and analysis of the financial condition and risk of financing requests, within the Bank’s credit culture and in light of current economic and industry trends. You will gather data from clients and internal and external sources, prepare spreadsheets, analyze financial information such as financial statements and tax returns, and contact clients for additional information or clarification. You will compile credit bureau data, conduct industry reports and peer comparisons, perform cash flow analyses, and notify Relationship Managers when updated financial statements are needed for commercial accounts. You will research credit inquiries and UCC filings to assess creditworthiness and appropriate collateral positioning. The position also involves developing knowledge of the financial industry, economy, market conditions, rates, vendors, and competition, and communicating relevant findings in writing. You are expected to build rapport with clients and colleagues and treat others with respect and consideration. All associates are expected to maintain current knowledge of and comply with applicable regulations and Bank policies and procedures, including Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.

Requirements

Bachelor’s degree in finance, accounting, a related discipline, or an equivalent combination of education and related work experience.
At least 3 years of financial analysis or lending background.
Basic experience, knowledge, and training in financial statement and tax return analysis, typically gained through education in accounting, financial or credit analysis, or related areas.
Basic knowledge of commercial, construction, real estate, and consumer loan processing.
Direct regulatory or credit risk management experience.
Ability to read, analyze, and interpret general business periodicals, professional journals, and technical procedures.
Basic knowledge of relevant state and federal loan regulations and Bank lending policies.
Ability to present information effectively and respond to questions from managers, clients, and members of the public.
Proficiency with Microsoft Office applications, including Outlook, Word, Excel, and PowerPoint.
Basic math skills, including calculating interest, commissions, proportions, and percentages; balancing accounts; performing arithmetic with whole numbers, fractions, and decimals; locating routine mathematical errors; and computing rates, ratios, and percentages, including drafting and interpreting bar graphs.
Effective verbal, written, and interpersonal communication skills; ability to carry out instructions, instruct others, interpret documents and procedures, write reports and correspondence, and communicate clearly with clients and associates.
Ability to address problems involving multiple facets and variables in non-standardized situations.
Excellent organizational and time management skills.
Ability to work with minimal supervision.
Ability to work at a rapid pace for extended periods, typically up to 8 hours.
Ability to perform the described physical movements, including pushing, pulling, bending, twisting, raising and holding arms overhead, turning the head, neck, and shoulders, and grasping and holding tools or other items, for extended periods or repeatedly throughout the workday.
Ability to work overtime as necessary.

Nice To Haves

Advanced degree or certification related to the field.
At least 4 years of related experience.

Responsibilities

Create and interpret financial spreads, policy ratios, global cash flow statements, and commercial real estate analyses with minimal assistance.
Create Scope of Review worksheets to begin the credit analysis of new credits, renewals, and annual reviews.
Interpret and summarize appraisals, organizational documents, and loan documents.
Prepare Credit Approval Submissions on pending credits for Approval Officers and Senior Approval Officers.
Monitor covenants and borrowing bases.
Assist Approval Officers and Senior Approval Officers with pre-qualification assessments and analysis of the financial condition and risk of financing requests.
Gather data from clients and internal and external sources; prepare spreadsheets and analyze financial statements, tax returns, and other financial information.
Contact clients to obtain additional information and clarify data.
Compile credit bureau data, conduct industry reports and peer comparisons, and perform cash flow analyses and related comparisons.
Inform Relationship Managers when updated financial statements are needed for commercial accounts.
Research credit inquiries and UCC filings to assess creditworthiness and appropriate collateral positioning.
Develop knowledge of the financial industry, economy, market conditions, rates, vendors, and competition, and convey relevant findings in writing specific to the credit being analyzed.
Build rapport with clients and fellow associates and treat others with respect and consideration.
Maintain current knowledge of and comply with regulations and Bank policies and procedures, including BSA and OFAC requirements.