Credit Analyst II - Asset Based Finance - Product Delivery Portfolio - Support

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This job is responsible for analyzing and interpreting a client's credit worthiness, evaluating credit risks, and writing credit approval memos for annual renewals and new lending opportunities. Key responsibilities include analyzing qualitative and quantitative data such as client's financials, projections, industry data, covenant compliance, and collateral appraisals to ensure compliance with the bank's risk appetite. Job expectations include completing regular monitoring and underwriting tasks and supporting key internal stakeholders to achieve successful execution of new transactions.

The Credit Analyst II role is responsible for working with a credit team to support the credit underwriting and/or monitoring process for new and existing clients. Responsibilities include completing credit analysis to assess a client’s creditworthiness, evaluating credit risk, completing analysis in various systems, and writing financial analysis for approval and/or monitoring documents.

At this level, the analyst independently analyzes both qualitative and quantitative data, including client financials, projections, industry data, covenant compliance, collateral documentation, and adherence to policy and procedural requirements.

Responsibilities: Analyzes client financial information, identification/mitigation of potential risks, compliance with regulatory requirements and evaluation of collateral in determination of credit worthiness

Completes monitoring activities via analysis of clients’ financial performance and collateral evaluation to ensure appropriate requirements are met

Listens in to client meetings to develop a deeper understanding of the client's business, management team, and past and future performance

Reviews completed client requests to ensure compliance with policy and procedures

Understands how credit data is used internally and provided to regulatory partners

Assists with periodic portfolio reviews

Participates in loan structure conversations and completion of loan documentation

Evaluates transaction and relationship risk-adjusted profitability to facilitate the allocation of capital

Build projection models for the client (as needed) based on historical performance, industry forecasts, and other due diligence findings

Analyze client financial information to assess creditworthiness, identify and mitigate risks, evaluate collateral, and ensure compliance with regulatory requirements and internal credit policies

Perform ongoing monitoring activities, including analysis of client financial performance and collateral positions, to proactively identify risks and trends

Support loan structuring and execution by participating in discussions and assisting with the preparation and completion of loan documentation

Review client requests and credit submissions to ensure accuracy, completeness, and adherence to credit policies and procedures

Participate in client meetings and portfolio reviews to deepen understanding of the client’s business, management team, and performance, while supporting internal and regulatory use of credit data

Required Qualifications: Minimum of 1 year of experience in credit analysis, underwriting support, or financial analysis

Basic understanding of financial statements, cash flow analysis, and credit risk concepts

Ability to complete routine credit analysis and monitoring tasks with accuracy and timeliness

Experience preparing or contributing to written financial or credit analysis documentation

Proficiency in Microsoft Excel and ability to work with financial data and reports

Strong attention to detail and analytical skills

Effective written communication skills

Ability to manage multiple assignments and work effectively in a team environment

Desired Qualifications: Bachelor’s degree in finance, Accounting, Economics, Business, or related field

Working knowledge of financial statements and cash flow analysis and credit risk fundamentals

Ability to complete routine credit and monitoring analyses independently with guidance on complex items

Experience preparing written credit analysis for approval and/or monitoring

Familiarity with commercial lending concepts, credit policy, and loan documentation

Skills: Analytical Thinking

Financial Analysis

Financial Forecasting and Modeling

Profitability Analysis

Research Analysis

Attention to Detail

Business Acumen

Credit and Risk Assessment

Underwriting

Written Communications

Collaboration

Critical Thinking

Portfolio Analysis

Prioritization

Technical Documentation

Shift: 1st shift (United States of America)

Hours Per Week: 40