Credit Analyst II
About The Position
Cornerstone Bank is seeking a detail-oriented and analytical Credit Analyst II to support its Commercial Lending team. The role evaluates new and existing commercial credit relationships, analyzes financial statements, assesses repayment capacity and risk, and prepares credit recommendations to support lending decisions. The Credit Analyst II works closely with commercial lenders and credit leadership, monitors portfolio performance, assists with loan presentations, and ensures compliance with bank policies and regulatory requirements. Through independent analysis of increasingly complex lending relationships, the position helps maintain the quality and growth of the Bank's commercial loan portfolio. The position performs work independently within established guidelines and practices, consulting with the Manager when clarification or an exception to Bank policy may be required. The listed duties describe the general nature and level of the work and are not exhaustive.
Requirements
- Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field; equivalent specialized coursework and professional training will also be considered.
- Three to five years of commercial credit analysis, lending support, or related credit experience.
- At least two years of progressively responsible experience in a banking or financial services environment.
- Demonstrated ability to analyze financial statements, assess credit risk, and support commercial lending decisions.
- Strong knowledge of commercial credit analysis, including repayment sources, credit risk, and collateral values.
- Understanding of accounting principles, financial statement analysis, and commercial loan and mortgage documentation.
- Proficiency with Microsoft Office, particularly Word and Excel, and ability to learn and use bank lending and financial systems.
- Strong attention to detail and ability to manage multiple priorities and meet deadlines.
- Strong written and verbal communication, organizational, customer service, and interpersonal skills.
- Ability to build effective working relationships with internal stakeholders and collaborate within a team.
- Working knowledge of banking products and services and ability to apply that knowledge to commercial lending activities.
- Proficiency with standard office equipment, personal computers, and related technology tools.
- Commitment to compliance with BSA/AML policies and procedures.
Nice To Haves
- Relevant banking, credit, or financial analysis certifications and continuing education.
Responsibilities
- Conduct comprehensive credit analysis for new and existing commercial lending relationships, including financial statement spreading, risk assessment, and written credit memoranda.
- Review annual financial statements and identify trends and changes in financial performance, repayment capacity, and borrower creditworthiness.
- Evaluate increasingly complex commercial relationships using financial, industry, and collateral analysis, and provide credit recommendations.
- Respond to commercial customer inquiries, verification requests, and other credit-related matters in a timely and professional manner.
- Maintain accurate and complete credit files, ensuring appraisals, financial information, and supporting documentation are current and compliant with established requirements.
- Assist in preparing and presenting loan approval packages for Commercial Loan Officers, Executive Management, and Board Loan Committee meetings.
- Conduct credit activities in accordance with Bank policies, regulatory requirements, and sound risk management practices.
- Collaborate with lending personnel and other internal stakeholders.
- Provide mentorship, guidance, and system training to Credit Analyst I team members.
- Participate in department initiatives and complete special projects assigned by the Credit Manager.
- Complete other related requests assigned by the manager.
- Comply with BSA/AML policies and procedures, including identifying and reporting suspicious activity and fulfilling job-specific compliance responsibilities.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
