Commercial Credit Analyst

Commercial Credit Analyst

The Commercial Credit Analyst will support the lenders in underwriting requests for credit extensions to new and existing commercial clients. They will perform detailed financial analysis for all lending opportunities, prepare credit approval and modification requests for presentation to Loan Committee by the lenders, perform annual credit reviews as needed, ensure compliance with the Bank's credit policies and procedures, ensure the timely collection and spreading of interim and annual financial statements provided by clients, and update financial information to maintain current reporting.

Primary responsibilities include analyzing data (i.e. financial statements, agency reports) on prospective and active borrowing accounts and preparing written reports evaluating the short and long-term prospects of the individual or company. They will make recommendations to Loan Officers on the granting or denying of loans and prepare sufficient information (i.e. loan submissions) to document recommendations. They will identify and interpret trends in financial data, interpret key financial ratios, provide thorough documentation of all financial analysis with via spreadsheets and written credit offering memorandums, suggest a loan grade after conducting a thorough credit analysis and documentation review, coordinate specific work tasks within the department in order to ensure the smooth and efficient flow of information, provide assigned reports, and perform annual review of loan relationships. Must have 5+ years experience in a bank as a Credit Analyst.