Credit Analyst II

Commercial Credit Analyst II

Job Summary

Responsible for working with the Senior Credit Officer primarily on credit analysis and underwriting of the following loans: Multifamily, Commercial Real Estate and Commercial/Business loans.

Essential Responsibilities

• Responsible for the underwriting and credit analysis of commercial real estate (CRE), multifamily and business loans to determine feasibility and credit risk of granting loans.
• Assure that the loan package complies with credit, underwriting standards and lending/credit policies.
• Prepare and/or review the completion of credit approval memorandums (CAM's), including credit analysis, collateral cash flow analysis, debt service coverage ratios, rent roll and lease analysis, purchase contract and loan special conditions to present to the representative approval authority committee.
• Present loan file to the loan officer, senior credit officer or lending authority for discussion and conclusion including the department recommendation to Management and/or Credit Committee. The underwriter must inform the Senior Credit Officer of any material risk factors, discrepancies or deviations discovered during the preparation and/or review of the CAM, its underwriting, credit analysis and due-diligence.
• Underwrite and analyze loan packages of bank (retail) programs by evaluating and reviewing loan application, corporate and personal financial statements, corporate and personal tax return, appraisal reports, environmental reports and other related loan information and supporting documentation.
• Maintain ongoing communication with the loan officer and customer to provide information on transaction status, clarify any discrepancies with the customers' account or instructions; resolve problems, concerns/doubts.
• May assist Senior Credit Officer with loan policies and procedures, quality control matters, loan review and underwriting.

Competencies

• Customer focus
• Building strong relations
• Communication
• Business acumen
• Problem analysis & solution
• Ownership
• Vision & values
• Collaboration & teamwork
• Development (personal & others)
• Change & innovation

Supervisory Responsibilities

• This position has no supervisory responsibilities.

Work Environment

Work is performed in a bank environment. Employees are exposed to external elements when representing the corporation at external events and may be required to work extended hours, including holidays, should the schedule coincide with the company's needs.

Physical Demands

• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
• While performing the duties of this job, the employee is regularly required to sit, stand, walk and/or maneuver around the office.
• Ability to lift and/or move up to 10 pounds.

Required Education and Experience

• Minimum two years' experience of banking/lending practices or related field
• English/Spanish communication required due to high volume of Hispanic customers
• Able to work flexible hours according to department needs during peak time

Disclaimer

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, skills required of personnel so classified. The reporting relationship may not reflect the most recent changes to the corporate reporting structure.

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