Credit Analyst (Commercial Lending)

Summary: Underwrite and evaluate the credit worthiness of businesses and individuals to determine their ability to repay loans in order to minimize risk to the bank and other support functions.
Essential Functions:
Reasonable accommodations may be made to enable individuals with disabilities to perform the following essential functions.
Analyze financial data such as cash flow, liquidity, profitability and leverage through the use of various financial ratios and be able to come to various conclusions, including evaluation of collateral and other relevant credit information.
Perform economic, market, and industry analysis, financial projections and risk assessments.
Spread and analyze financial statements to determine and minimize the overall risk of extending credit to businesses and individuals.
Prepare loan presentations that include all pertinent information associated with the overall risk of the loan, identifying the strengths and weaknesses of borrower's surrounding credits.
Recommend and justify risk rating, ensuring conformity with regulations, bank credit policy, procedures and standards, including identifying any exceptions to minimize risk exposure.
On-going review and monitoring of the financial position of existing accounts including compliance with loan covenants and borrowing base certificates and analysis of interim and fiscal financial statements.
Accepts mentoring from the commercial loan officer(s) in the underwriting and processing of new loan requests.
Provide high-quality customer service and service clients in a courteous and professional manner consistent with our company philosophy.
Cooperatively assist and support other bank activities.
Promote a strong team environment.
Occasional local travel is required, as may participate in client meetings with the Commercial Lender.
All other reasonable duties as assigned.
Required Education and Experience:
Strong computer skills. Proficiency in Microsoft Office Suite;
Strong verbal and written communication skills;
Strong knowledge of financial accounting;
Strong analytic and reasoning skills;
Ability to commit to and meet deadlines;
Ability to identify and resolve problems in a timely manner;
Bachelor's degree in Accounting, Finance, Business, or other related field, or equivalent work experience.
Preferred Education and Experience:
Minimum of 1 year commercial loan credit analysis experience and completion of formal credit training;
Professional experience in banking, real estate, commercial or retail finance
Requirements for performing Essential Functions:
On the job, the employee may physically be required to bend, sit, use finger movements, drive motorized equipment, and/or handle objects (manual dexterity). On the job the employee must mentally be able to read/comprehend, write, perform calculations, communicate orally, reason, analyze, and multi-task.

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