Commercial Credit Analyst

Summary:

This role supports the Commercial Credit Admin team by performing credit, financial statement and cash flow analysis, business loan approvals and other related department support functions.

Essential Duties and Responsibilities:

• Perform analysis of complex financial statements and tax returns utilizing software systems.
• Research and examine credit risks, assess history, and articulate reasons for support of an extension of credit.
• Prepare credit submissions to Sr. Management when recommending approval.
• Responsible for conducting on-going verification and regular tracking of members’ credit quality through periodic review of credit reports, analysis of required financial information, and any other approval conditions.
• Perform periodic covenant compliance checks on borrowers and guarantors as required.
• Responsible for ensuring timely loan renewals and annual term loan reviews.
• May serve as mentor to new team members.
• Provide training and/or guidance to internal customers to enhance and develop commercial business acumen within the organization.
• Identify process improvement opportunities to continually enhance member experience and internal service.
• In conjunction with manager and Compliance, ensure regulatory changes are vetted and implemented to ensure compliance.
• Demonstrate strong written and verbal communication skills.
• Ability to be a self-starter and take ownership of various processes.
• Personal computer knowledge including word processing and spreadsheet abilities.
• Demonstrated ability to work well in a team environment
• Deep knowledge of commercial loan documentation required.
• Strong business acumen and knowledge of commercial lending environment.

Required Knowledge, Skills, Abilities, and Experience:

• Bachelor's Degree in Finance, Accounting, or other related field required.
• Six+ years of credit underwriting experience.
• Demonstrated expertise in utilizing systems to analyze tax returns and financial statements and in drawing sound conclusions and recommendations preferred.
• In depth knowledge of credit analysis, credit administration, credit policy and risk analysis preferred.

Job Details

Job Family

Commercial Credit Admin

Job Function

Commercial Credit Admin

Pay Type

Salary