Commercial Credit Analyst

Overview

Assist the Bank in underwriting and risk assessment of new and existing commercial loans in accordance with established policies and procedures. Prepare credit risk and loan offering memos; develop a thorough and complete analysis of risks and to effectively interact with lenders and employees of the Bank.

• Prepare credit risk and loan offering memos; develop a thorough and complete analysis of risks.
• Review new and existing financial information on loans to develop key financial ratios.
• Order necessary searches to complete the underwriting process.
• Refer loans that do not meet basic standards to Management.
• Assist as directed in the collection of financial information on existing commercial loan borrowers.
• Analyze loan files and submit completed loans for approval.
• Respond to inquiries from lenders regarding status of loans in process.
• Complete all required paperwork and forms in a timely and accurate manner; prepare all required reports.

• High school diploma or equivalent required; bachelor’s degree in finance or business preferred.
• Minimum 2 years of related experience required.
• Credit analysis and/or underwriting experience in Commercial Real Estate and C&I.
• Thorough working knowledge of financial analysis and cash flow.
• MS Office proficiency required.
• Excellent written and verbal communication skills.

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. Regular attendance and punctuality are essential functions of every job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions.

Perform routine and typical tasks of an office such as typing, taking notes, reading/reviewing, computer work, filing, copying, answering phones, etc. that may require employee to view, stand, stoop, kneel, or crouch and lift.

The successful candidate will be required to prove on the first day of work that they are legally authorized to work in the U.S. The Bank will not sponsor a candidate for a visa or for work authorization.

$60,000 to $85,000 annually