Credit Analyst Commercial Loans

Job Summary:

The Credit Analyst is responsible for reviewing financial statements, underwriting loan requests, and evaluating the credit worthiness of commercial loan applicants.

Essential Functions and Responsibilities:

• Perform credit analysis and underwriting of commercial loan customers' financial information and provide written analysis of work performed.
• Conduct credit investigations and analyze financial statements for new and existing customers, regularly communicate with loan officers, and assist in the preparation of financial/credit information packages for review and approval by loan officers and/or loan committees.
• Perform periodic reviews of existing loan files and financial information.
• Spread financial information via Credit Quest.
• Maintain knowledge of the Bank's Loan Policy and accurately identify policy exceptions.
• Complete global cash flow analysis on credits.
• Obtain bids and engage appraisals for commercial loan requests, send finalized appraisal reports on for third-party review, and address any questions posed by reviewers.
• Produce monthly and quarterly reports and submit to CCO for review.
• Attend Loan Review and Executive Loan Committee meetings and take minutes as assigned.
• Participate in the stress testing of the commercial loan portfolio.
• Assist with special projects.
• Support the credit administration team by completing various assigned tasks.

Knowledge/Skills/Abilities:

• Proven proficiency in financial spreadsheets.
• Excellent verbal and written communication and interpersonal skills.
• Proven decision-making skills.
• Ability to multi-task effectively.
• Ability to work independently as well as in a team environment.

Education/Experience/Licenses/Certifications:

• Bachelor's degree in accounting or finance required.
• 1+ years of commercial financial analysis/credit analysis preferred.

Equipment/Software:

• Ability to operate general office equipment.
• Advanced knowledge of Microsoft Office products.
• Familiarity with Credit Quest underwriting program preferred.

Physical Requirements:

The physical demands described are representative of those that must be met to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Work is performed mainly in an office setting. Hand-eye coordination is necessary to operate computers and various pieces of office equipment.

*The salary range for this role has been thoughtfully determined, taking into consideration a variety of factors that play a crucial role in compensation decisions. These factors include, but are not limited to, individual skill sets, experience and training, licensure and certifications, as well as broader business and organizational needs. The range encompasses all levels of experience, with the higher end designated for more experienced professionals.

**Employee benefits include health, vision, dental, life, disability, critical illness, and accident insurance available to full-time employees after 30 days of employment, and 401k for all employees beginning on hire date.

***Be advised that employment is contingent on passing a pre-employment background check which includes state, federal, and national criminal checks, credit check, and employment verification.