Commercial Credit Analyst

Responsibilities Compiling and preparing financial information required to make credit decisions for commercial loan requests Preparing the financial analysis to make credit decisions Contributing to the loan decision process Monitoring the existing loan portfolio and evaluating credit risk Providing project assistance as required by the Credit Manager and Chief Credit Officer Completing underwriting for credit requests for new and existing commercial client base to produce credit worthiness recommendations Analyzing and interpreting all types of credit information on existing customer relationships Timely and accurately maintaining automatic tracking systems that identify deal flow and when financial information and/or any credit information is needed Monitoring customer accounts and loan portfolios in order to maximize credit quality and minimize risk and loss Completing credit analysis and preparing recommendations regarding the renewals and ratings of credit extensions for approval Understanding and ensuring compliance with all Federal and State Regulations and internal banking policies and procedures Requirements Bachelor’s degree in business or related field 3 – 5 years related experience Ability to read and interpret business and personal financial statements, tax returns, and credit bureau reports Excellent organizational skills Strong communication skills Strong relationship skills and the ability to influence business and functional partners Capability to multitask and work on a variety of projects and teams is essential Ability to apply concepts such as fractions, percentages, ratios to practical banking situations Extensive knowledge and experience with Word, Excel and spreadsheets #J-18808-Ljbffr