Commercial Credit Analyst

Overview

Responsibilities

• Facilitate the credit needs of customers by analyzing new requests and material modifications from deal screen through approval and for the life of the loan.
• Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating.
• Review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data.
• Analyze financial information and related materials and complete the credit analyses for the Bank’s commercial transactions.
• Make appropriate structure recommendations based on an analysis and evaluation of scenarios including the company’s case, bank’s base case and a downside case.
• Identify suspicious activity and activity that may be contrary to customer’s interest.
• Partner proactively with relationship managers (RM) and be intimately involved throughout the credit process, from deal screen through approval and for the life of the loan to maintain timely and accurate risk ratings for a portfolio of commercial credits.
• Spread financial statements and prepare financial / projection models designed to sensitize various conditions impacting the proposed transaction.
• Prepare cash flow, collateral schedules, covenant sensitivity calculations, and guarantor statement analysis as appropriate.
• Enter complete and accurate data into Bank systems in support of underwriting and portfolio management activities.

Qualifications

• Bachelor’s degree in Accounting, Finance, Economics or related field and a minimum of one year’s work experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis, or in lieu of a degree, a combined minimum of 5 years’ higher education and/or work experience, including of one year work experience in commercial credit, public accounting, financial statement p
• Strong analytical ability.
• Critical thinking and problem-solving abilities.
• Attention to detail with a high level of accuracy.
• Strong organizational and time management skills.
• Ability to work independently and as a part of a team.
• Customer focused with strong interpersonal skills.
• Proficiency with Microsoft Office.

Preferred Qualifications

• Experience with Capital IQ, FactSet, and Bloomberg.
• Experience with nCino.
• Experience underwriting commercial real estate deals.