Scope Credit Analyst I

Park National Bank•Columbus, OH

4d•Hybrid

About The Position

RESPONSIBILITIES Accurately prepare loan requests and loan renewal write-ups; including global cash flow analysis, collateral analysis, industry analysis, management analysis, and overall repayment capacity Complete underwriting in accordance with current regulations, compliance terms, bank policy, and legal requirements Accurately spread financial statements and tax returns and analyze historical performance Assist in the preparation of annual reviews of existing clients upon receipt of updated financial information Monitor financial statement requirements, loan covenants, and borrowing base certificates and communicate findings to lender and manager. Prepare pertinent reports, tracking financial information and receipt thereof. Participate in identifying, measuring, monitoring, controlling, and mitigating credit risk of the commercial loan portfolio Obtain, analyze, and incorporate third-party borrower information (e.g., credit reports, costar, RMA) Accompany Commercial Lenders on calls and inspections, and assist with presenting loan requests to approvers as needed Assist in loan review cycle and with classified asset reporting Attend and participate in department meetings as necessary Maintain orderly and up to date credit files Maintain ownership for all accepted tasks Take a proactive approach to learning and career development Understand and promote the bank’s credit culture and credit policies Maintain awareness of and adherence to Bank’s compliance requirements and risk management concepts, expectations, policies and procedures and apply them to daily tasks Deliver a consistent, high level of service within our Serving More standards Other duties as assigned

Requirements

Interpersonal/Customer Service Skills
Written and Verbal Communication
Ability to understand and follow directions
Adaptable to change
Basic Computer Skills
Organizational Skills/Detail Oriented
Analytical Thinking
Problem/Situation Analysis
Ability to influence others
Ability to work as part of a team
BA/BS, Business Management required
BA/BS, Finance / Accounting or other concentrations considered with 2+ years relevant experience

Responsibilities

Accurately prepare loan requests and loan renewal write-ups; including global cash flow analysis, collateral analysis, industry analysis, management analysis, and overall repayment capacity
Complete underwriting in accordance with current regulations, compliance terms, bank policy, and legal requirements
Accurately spread financial statements and tax returns and analyze historical performance
Assist in the preparation of annual reviews of existing clients upon receipt of updated financial information
Monitor financial statement requirements, loan covenants, and borrowing base certificates and communicate findings to lender and manager. Prepare pertinent reports, tracking financial information and receipt thereof.
Participate in identifying, measuring, monitoring, controlling, and mitigating credit risk of the commercial loan portfolio
Obtain, analyze, and incorporate third-party borrower information (e.g., credit reports, costar, RMA)
Accompany Commercial Lenders on calls and inspections, and assist with presenting loan requests to approvers as needed
Assist in loan review cycle and with classified asset reporting
Attend and participate in department meetings as necessary
Maintain orderly and up to date credit files
Maintain ownership for all accepted tasks
Take a proactive approach to learning and career development
Understand and promote the bank’s credit culture and credit policies
Maintain awareness of and adherence to Bank’s compliance requirements and risk management concepts, expectations, policies and procedures and apply them to daily tasks
Deliver a consistent, high level of service within our Serving More standards
Other duties as assigned