Commercial Credit Analyst

Position Summary The Commercial Credit Analyst will support the lenders in underwriting requests for credit extensions to new and existing commercial loan clients. The right credit analyst will perform detailed financial analysis for all lending opportunities, prepare credit approval and modification requests for presentation to the loan committee by the lenders, and perform annual credit reviews as needed. As a credit analyst you will ensure compliance with the organization's credit policies and procedures, timely collection and spreading of interim and annual financial statements provided by clients, and update financial information to maintain current reporting. Primary Responsibilities Analyze data (e.g. financial statements, agency reports) on prospective and active borrowing accounts and prepare written reports evaluating the short and long-term prospects of the individual or company. Make recommendations to Loan Officers on the granting or denying of loans and prepare sufficient information (e.g. loan submissions) to document recommendations. Identify and interpret trends in financial data and key financial ratios (e.g. cash flow to debt service, debt‑to‑equity). Provide thorough documentation of all financial analysis 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 to ensure the smooth and efficient flow of information. Provide assigned reports. Perform annual review of loan relationships. Qualifications Must have 2+ years experience in a bank or credit union as a Credit Analyst. Benefits Competitive compensation package Great benefits package including generous PTO, health, dental, vision, and automatic 401(k) contribution Opportunity for advancement and leadership roles All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations. #J-18808-Ljbffr