Credit Analyst

Description

TITLE: Credit Analyst

DEPARTMENT: Credit Administration

JOB SUMMARY:

The Credit Analyst is responsible for supporting the Credit Administration Team and Commercial Bankers by performing a variety of administrative, analytical and reporting tasks related to the management of the commercial credit portfolio. This position will contribute to client relationships by providing consistent, high-quality service.

ESSENTIAL FUNCTIONS:

• Assist and support the Commercial Banking team from the inception of a loan request including, but not limited to, gathering financial information, preparing financial statement spreads, cash flow and other pertinent analysis and ordering appraisals/evaluation reports.
• Assist Commercial Bankers with timely and accurate completion of commercial credit presentations, including analysis of appropriate data per credit policy, bank procedures and regulatory requirements.
• Manage the portfolio tracking process, including gathering and entering data in the appropriate tracking reports, as well as reviewing and distributing monthly reports.
• Manage a variety of routine administrative and reporting functions as assigned, including quarterly legal lending limit reports, and policy exception tracking and exposure monitoring reports (select markets).
• Assist with internal servicing of the portfolio by completing risk rating change documentation and performing floor plan checks/audits.
• Ability to perform accurate credit analysis to identify relevant issues and key credit risks.
• Independently manage workflow of credit underwriting and portfolio management to meet required deadlines and produce quality results.
• Prepare annual term loan reviews as requested by the Commercial Banker staff.
• Assist with completion of quarterly problem loan reports.
• Provide credit administration support including but not limited to the following duties (select markets):
• Underwrite credit requests from Treasury Management including ACH/RDC and Business Credit Card approvals.
• Prepare monthly Swap monitoring report
• Prepare annual Swap counter party analysis and underwriting for new exposure or changes to current exposures for Swap counter parties as needed
• Provide financials and required loan documentation on an ongoing post-close basis, quarterly, to non-affiliate Banks which have purchased loan participations.
• Complete credit reference inquiries for commercial borrowers
• Collaborate with Commercial Credit Operations, Administration and Lender staff to provide timely response to internal and external customer inquiries and servicing needs.
• Build relationships with other bank personnel to facilitate effective working relationships between credit administration and production.
• Assist the department with special projects and reporting as assigned.
• Participation in community activities is encouraged. This involvement can include professional, civic and community groups.
• Comply with all company or regulatory policies, procedures and requirements applicable to this position.
• Foster and preserve a culture of inclusion.
• Additional duties and responsibilities may be required to support the company’s mission, vision and values.

QUALIFICATIONS:

• High school diploma or equivalent required. Bachelor’s degree in accounting, finance, business administration or related field required.
• Minimum of 1 year of experience in lending, banking, financial industry or client service working knowledge is preferred.
• Capability to utilize various banking software and Microsoft 365 products, with a high level of accuracy and attention to detail.
• Strong verbal, written and interpersonal communication skills.
• Strong time management skills with capability to meet deadlines.
• Capability to manage sensitive information and uphold confidentiality.
• Capability to work and collaborate with a variety of individuals and groups in a constructive and professional manner.
• Strong analytical and problem- solving capabilities.
• Strong organizational skills with the ability to organize and manage a variety of projects and tasks in a fast-paced environment.
• Ability to interpret, analyze, and communicate financial information effectively to a wide range of clients and audiences.

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