Commercial Credit Analyst

Credit Analyst

We are working with a community-sized bank in the Lehigh Valley seeking a highly skilled and motivated Credit Analyst to join their team. This individual will play a crucial role in supporting the commercial lending efforts by contributing to the credit decision process and managing various administrative tasks related to the commercial loan portfolio.

Key Responsibilities:

Credit Decision Process Support:

1. Obtain and analyze complex financial information from prospective borrowers.
2. Develop and maintain expertise in credit analysis tools and software.
3. Prepare comprehensive credit approval write-ups.
4. Obtain and evaluate credit reports, appraisals, and environmental studies.
5. Prepare and manage CoStar, loan pricing, and EDR reports.
6. Participate in Senior and Director Loan Committee meetings and serve as Secretary as needed.
7. Prepare Commercial Loan Documentation using the Bank’s software (Laser Pro).
8. Monitor maturities, renewal dates, and annual review dates for commercial lending.

Underwriting and Documentation:

1. Maintain expert underwriting skills.
2. Stay updated on Bank policies, procedures, and regulatory requirements.
3. Assist in the administration of Laser Pro and other key lending systems.

Loan Portfolio Administration:

1. Monitor borrower compliance with financial covenants and reporting requirements.
2. Ensure compliance with federal and state consumer compliance regulations.
3. Prepare and review portfolio management reports.
4. Maintain the Watch List for loans classified as "Special Mention" or worse and for "Impaired" loans.
5. Serve as a customer service representative for commercial borrowing customers.

Regulatory Compliance:

1. Maintain a high standard of knowledge relating to bank compliance regulations.

Additional Requirements:

• A minimum of four years of recent underwriting experience.
• A Bachelor’s degree is preferred.
• Strong initiative and independence in handling responsibilities.
• Leadership, organizational, and effective interpersonal skills.
• Adaptability to changing priorities and responsibilities.

What Our Client Offers:

• Support from the top down, and a bank that does right by their employees
• Employees are treated as people, and not just a number
• A solid loan portfolio, and an organization with a strong future
• Career growth opportunities and continued training
• A team-based environment.