Credit Management - Credit Analyst II

Bank of Jackson Hole•Jackson, WY

About The Position

As a Credit Analyst II, you will analyze financial information and support commercial credit decisions with minimal assistance. You will create and interpret financial spreads, policy ratios, global cash flow statements, and commercial real estate analyses, and prepare Scope of Review worksheets for new credits, renewals, and annual reviews. You will also interpret and summarize appraisals, organizational documents, and loan documents. The role includes preparing Credit Approval Submissions for pending credits, monitoring covenants and borrowing bases, and assisting Senior Approval and Approval Officers with pre-qualification assessments and analysis of borrowers’ financial condition and financing risk. You will gather information from clients and internal and external sources, prepare spreadsheets, analyze financial statements and tax returns, and contact clients to clarify or obtain additional information. Other work includes reviewing credit bureau data, preparing industry reports and peer comparisons, performing cash flow analyses, notifying Relationship Managers when updated financial statements are needed, and researching credit inquiries and UCC filings to assess creditworthiness and collateral positioning. You will develop knowledge of the financial industry, economy, market conditions, rates, vendors, and competition, and communicate relevant findings in writing for the credit being analyzed. The position also involves building rapport with clients and colleagues and complying with applicable regulations and bank policies, 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.
3+ years of financial analyzing or lending background.
Basic experience, knowledge, and training in financial statement and tax return analysis, typically gained through education in accounting, finance, 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 state and federal loan regulations and Bank lending policies.
Ability to present information effectively and respond to questions from managers, clients, and the general public.
Proficiency with MS Office applications, including Outlook, Word, Excel, and PowerPoint.
Basic math skills, including calculating interest, commissions, proportions, percentages, rates, and ratios; balancing accounts; performing arithmetic; locating routine mathematical errors; and drafting and interpreting bar graphs.
Effective verbal, written, and interpersonal communication skills, including the ability to follow instructions, instruct others, interpret documents, understand procedures, write reports and correspondence, and communicate clearly with clients and associates.
Ability to handle normal 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 no longer than eight hours.
Ability to perform the physical activities described for the office work environment, including pushing, pulling, bending, twisting, raising and holding arms overhead, turning the head, neck, and shoulders, and grasping and holding items for extended periods or repeatedly during the workday.
Ability to work overtime as necessary.

Nice To Haves

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

Responsibilities

Create and interpret financial spreads, policy ratios, global cash flow statements, and Commercial Real Estate analyses with minimal help.
Create Scope of Review worksheets for new credits, renewals, and annual reviews.
Interpret and summarize appraisals, organizational documents, and loan documents.
Prepare Credit Approval Submissions on pending credits for the Approval Officer and Senior Approval Officer.
Monitor covenants and borrowing bases.
Assist Senior Approval and Approval Officers with pre-qualification assessments and analysis of financial condition and financing risk within the Bank’s credit culture and current economic and industry trends.
Gather data from clients and internal and outside sources.
Prepare spreadsheets and analyze financial information, including financial statements and tax returns.
Contact clients for additional information and clarification of data.
Compile credit bureau data, conduct industry reports and peer comparisons, and perform cash flow analyses and related comparisons.
Inform Relationship Managers when up-to-date financial statements are needed for commercial accounts.
Research credit inquiries and UCC filings to determine creditworthiness and appropriate collateral positioning.
Develop knowledge of the financial industry, economy, market conditions, rates, vendors, and competition, and summarize relevant information in writing for 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 applicable regulations and bank policies and procedures, including BSA and OFAC requirements.