Commercial Credit Analyst

Overview

Compensation: $79,000 - $119,000 based on experience and credentials

Location Type:
Hybrid opportunity with 2-3 days a week of onsite availability

Position Type:
Full Time

Schedule:

Monday through Friday 8:00 AM - 5:00 PM

The Commercial Credit Analyst underwrites commercial and small business loan requests greater than $250,000. Key responsibilities include reviewing and analyzing file information such as CPA quality financials, tax returns, credit reports, appraisals, other research, and market data. An ideal candidate is a detailed-oriented, self-motivated individual who successfully manages responsibilities to meet deadlines.

• Prepare detailed Credit Action Memorandum (CAM) recommendations to present to the decision-makers and the credit committee
• Gather the applicant’s financial information and perform a detailed analysis of financial data and other relevant information
• Prepare financial spreads to generate financial ratios and evaluate a borrower’s financial status
• Determine the borrower’s cash flow and capacity to service debt
• Summarize borrower’s financial statements and historical performance
• Detail identifiable risks associated with the credit quality of loans and collateral
• Interpret financial data and make loan recommendations to lenders and the loan committee
• Collaborate with the loan officer on any identified financial deterioration of the borrower
• Monitor maturing loans and gather the necessary information to consider extensions or modifications
• Maintain knowledge and understanding of current trends, laws, and issues affecting the area of expertise
• Attend educational events to increase professional knowledge

• Bachelor’s degree in a business-related field (A comparable combination of work experience and training may be substituted for education requirements)
• 5+ years of commercial or business lending experience with a financial institution including underwriting traditional credits
• Excellent knowledge and understanding of commercial lending products, services, policies, and procedures
• Excellent financial analysis skills
• Knowledge of banking regulations and best practices
• Ability to prioritize tasks by effectively managing competing and changing priorities to meet required deadlines
• Accurate, detail-oriented, and organized with task management
• Ability to resolve difficult and complex problems
• Strong written, verbal, and interpersonal communication skills to interact effectively with members, staff, vendors, and government regulators
• Ability to influence others regarding policies, practices, and procedures
• Strong knowledge and understanding of regulatory compliance to successfully perform job responsibilities
• Must maintain a high level of confidentiality

• Financial Well-Being:
  Bonus Program up to 12%, 401K Matching up to 8%, Retirement Planning, Pay Increases based on Competency, Employee Loan Discounts, Flex Spending Accounts
• Wellness:
  Medical Coverage, Dental and Vision Coverage, Access to 4,000+ Gyms, Mental Health Resources, PTO Wellness Days, Short Term and Long Term Disability Coverage
• Work-Life Balance: 11 Paid Holidays, 3 weeks of Paid Time Off, 4 weeks of Paid Parental Leave, Birthday PTO
• Community Involvement:
  Paid Volunteer Hours
• Growth:
  Degree Assistance up to $5,000 per year

For more information, including additional benefits, please visit our benefits website at https://ca

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For more information, please visit our careers site at https://ca