Credit Analyst

Credit Analyst IIIPrepares written in-depth credit analysis for Commercial and Industrial and Commercial Real Estate loans by underwriting the basics of commercial credit worthiness and identifying and analyzing sources of payment.Job Functions:Interprets financial data, financial condition and level of risk related to various types of borrowing entities and individuals including financial statement analysis, collateral evaluations, trend analysis ratio and industry analysis.Creates cash flow schedules based on personal and business tax returns and/or financial statements.Reviews and spreads financial statements and prepares comprehensive financial analysis on the creditworthiness of the borrower.Creates Pro-Forma analysis to assess the company's/individual's ability to repay current and proposal debt obligations based on the perceived level of risk determined in the analysis.Makes recommendations on approval or declination of loan requests.Review appraisals and environmental reports.Support the loan approval process through credit authorization preparation and distribution. Provide documentation of committee approvals and requirements.Operate in a more senior position to provide assistance and act as a resource to the other analysts.Work on FIMAC analytic or other Stress testing software and reports as requiredAssist in the creation and completion of minutes to the various loan approval committeesMay perform other tasks and assist in projects as needed.Position Requirements:Bachelor's Degree in Business, Finance, Accounting or related discipline.Formal Bank Commercial Credit training or equivalent classes offered by third party providers (RMA, ABA, banking assns, etc.).5-8 years banking/credit experience with 3+ years credit analysis experience in commercial banking. Lending background preferred.Knowledgeable of computer systems including word processing, databases, and Excel.Experience with credit analysis software.Knowledgeable in financial institution operating policies and procedures and banking regulations state and federal.Key Qualifications:Demonstrated skill in analysis of business and individual financial statements, tax returns, and cash flows.Understanding of commercial real estate project analysis, real estate appraisal reviews and property environmental evaluation reviews.Working knowledge of all applicable Bank products and services.Excellent problem-solving skills and good process-facilitating.Detail oriented, good organizational, interpersonal, communications and writing skills.