Commercial Credit Analyst
- Analyze and underwrite credit requests in a timely manner by leveraging the following resources: interactions with the loan team, meetings with customers/prospects, spreading tools, industry/market research, credit/financial due diligence, appraisals, web research, and other resources as necessary.
- Accurately identify loan policy exceptions as well as red flags during the analysis process (market risk, bankruptcies, late payments, past due taxes etc.) and bring those to the attention of the lender.
- Discuss deal structure, cash flow, collateral, and customer character with the lender.
- Prepare written analysis for new loans and modifications and present credit recommendations as directed.
- Manage existing portfolio of customers by tracking and preparing annual reviews of relationship obligations
- Review and recommend risk ratings within the portfolio.
- Prepare reports and minutes for senior management, loan committee and BOD.
- Accompany lender on customer calls and interact with customers, in person, and over the phone as needed.
- Interact with financial professionals including CPA’s, CFO’s, listing agents, brokers, appraisers, etc. as needed to assist in the underwriting of credit memos and other tasks for the department.
- Conduct market surveys through contact with brokers, online research, licensed database software (CoStar, Reis, MLSpin) etc.
- Performs other related duties as required.
- Five years to eight years of similar or related experience.
- A bachelor's degree, or achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g., information technology certifications in lieu of a degree).
- Prior experience in banking or financial institutions preferred.
- Strong understanding of financial statements and credit principles.
- Proficiency in Excel; experience with financial modeling.
- Familiarity with credit scoring models and risk rating systems.
- Excellent analytical, organizational, written and communication skills.
- Ability to manage multiple priorities in a fast-paced environment with ongoing deadlines.
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