Commercial Credit Analyst

Credit AnalystRESPONSIBILITIESSoundly apply the bank's credit culture and credit policies; is considered a policy expertUse independent judgment and critical thinking in the compilation of key financial data for the accurate representation of credit risk in loan requests including global cash flow analysis, collateral analysis, industry analysis, management analysis, and overall repayment capacityIndependently complete underwriting in accordance with current regulations, compliance terms, bank policy, and legal requirementsAccept credit requests directly from borrowers; make initial decision with regard to declination or proceeding in the credit request processRecommend appropriate risk grade, supporting the grade with risks, mitigants, and strengthsConsidered a valuable resource for the credit write-up/template and tax return analysisProactively assist the Commercial Lenders in portfolio management functions including seeking out and assisting in the annual review process, loan review preparation, and in regulatory examinations; may manage said processes and examinationsSpread financial statements and tax returns and analyze historical performance; review proformas for reasonablenessDevelop appropriate loan covenants to provide advance warning of potential credit risk and mitigate losses; develop proper loan structuresAssist in the training of junior analysts as needed; may manage a small group of other credit analysts or related positionsReview and analyze appraisals for market, credit, construction, and economic risksUnderstand more complicated loan documents; assist Commercial Lenders in working with outside legal counsel to prepare and execute loan documentationParticipate in customer meetings; independently inspect properties; prepare customer communication on behalf of the Commercial Lender; handle simple loan closings for the Commercial Lender; work with customers in obtaining updated financial statementsAssist Commercial Lenders with presenting loan requests to approvers, Senior Lenders, and Loan Committee as needed; attend and participate in other meetings; may present credit requests on behalf of Commercial LendersObtain, analyze, and incorporate third-party borrower information (e.g., credit reports); research inconsistenciesMaintain data integrityPrepare pertinent reports, track financial information and receipt thereofWork with the Commercial Lender on classified assets and reporting thereofMaintain 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.COMPETENCIESInterpersonal/Customer Service SkillsWritten and Verbal CommunicationAbility to understand and follow directionsAdaptable to changeBasic Computer SkillsOrganizational Skills/Detail OrientedAnalytical ThinkingProblem/Situation AnalysisTechnical ExpertiseAbility to build collaborative relationshipsAbility to develop or mentor othersAbility to work as part of a teamSCHEDULETypical office hours are M-F 8a-5p. This position is exempt and full-time. A minimum 40 hours is required per week. Additional time may be necessary based on customer and bank needs. This position is eligible for a flexible work arrangement with opportunity to work both in office and remotely.EDUCATION - CERTIFICATIONS - WORK EXPERIENCEBachelor's degree in a business field, preferably finance or accounting. Other concentrations will be considered with at least five years relevant experience requiredTRAVEL REQUIREMENTSTravel to customers and prospects is expectedPHYSICAL REQUIREMENTSThis position must be able to remain in a stationary position a maximum of 50% of the time, constantly operate a computer up to 50% of the time and be able to be in constant communication with coworkers, customers, or stakeholders to discuss and observe facts and data in order to exchange accurate information.The Park Brand You belong at Park. Our doors are open to everyone – no matter where you're coming from or where you want to go from here. Mission To promote the long-term prosperity of the people and the organizations we serve. Who We Are Community banking teams are bound by everything that matters most: by the way we serve our customers.; by the way we show up for our communities; by the way we celebrate everyone's biggest, best moments; by the way we're here for one another on the days we need support; and by our love of neighbors and neighborhoods. Together, our family proudly shares who we are and who we've always been. United and strong, we serve our customers and communities more. Brand Essence A family of community banking teams who, together, serve more — more businesses, more families, more community needs, more access for more people like you and me. Park National Bank