Credit Analyst III

Description

Company Overview

County National Bank was founded in 1934 as a community bank and we continue to be committed to serving the communities of southern Michigan. With 13 full-service branches and several other financial services offices, our decisions are made by local associates and board members who have a vested interest in the communities we service. Our mission is to sustain a deep commitment to our community and our tradition of banking excellence.


Our associates are our greatest asset; they are committed to building lasting relationships with clients and coworkers. When you join CNB, you will become a part of a legacy that supports the success of our associates and our communities. If you are looking for a career with purpose and a team that values friendly and knowledgeable service, we encourage you to apply.

CNB is looking for a qualified, motivated, and client- and team-focused individual to join our team as a Credit Analyst III. This position will be ON-SITE at our Jackson location.


Key Responsibilities

• Independently underwrites and analyzes complex commercial credit relationships, including new requests, renewals, and modifications.
• Prepares loan presentations for loan committee, which includes preparation of loan application, financial statements, cash flow analysis, and risk assessments.
• Evaluates client financial statements, cash flow, and collateral structures.
• Monitors assigned commercial loan portfolios, including financial performance, and risk trends to identify portfolio risks and recommends proactive risk mitigations strategies.
• Partners with commercial lenders on deal structuring, pricing, and exception management.
• Maintains accurate and completes files and documentation and provides updates as needed to business partners.
• Collaborates with Mortgage and Consumer lending to assess and grade commercial and self-employed borrowers.
• Completes and updates various reporting for Loan Committee or Board.
• Reviews work and provides guidance to the Credit Analyst I and II for accuracy, quality, and compliance.
• Performs various other duties as assigned.

Requirements

Qualifications

Required:

• Bachelor's Degree in Finance, Accounting, Business Administration, Economics or related field.
• 5+ years of relevant experience in commercial credit analysis or commercial banking.

Preferred:

• Demonstrated expertise in complex commercial loan structures and credit risk evaluation.
• Strong understanding or commercial loan structure, collateral, and credit risk management.
• Prior experience mentoring junior analysts.

Skills

• Advanced financial analytical and quantitative skills, including cash flow and decision-making ability.
• Excellent written credit presentation and documentation skills.
• Ability to analyze complex borrower structures and repayment sources.
• Excellent attention to detail and strong organizational skills.
• Strong written and verbal communication skill.
• Ability to manage multiple priorities and meet deadlines.
• Proficient with Microsoft Office programs.

Work Environment

• This position is an on-site position located in our Jackson, Fields office and may require occasional travel.

Physical Requirements

• Ability to sit and/or stand for long periods of time.
• Comfort with using a phone, fax, or other devices for calls, document sharing, and communication.
• Ability to see difference between colors, shades, and brightness to identify documents.