Think Beyond The Label Jobs

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SUMMARY:

The Credit Analyst II role is an intermediate position tasked with analyzing moderately complex commercial credit applications, conducting in-depth financial assessments, and evaluating sophisticated credit risks associated with medium-sized commercial loans. This role assists in overseeing the credit underwriting process, providing guidance and mentorship to junior analysts, and ensuring adherence to the Bank's credit policies and regulatory standards.

JOB DUTIES AND ESSENTIAL FUNCTIONS:

• Independently underwrite loans in the $3MM-$5MM+ amount range.
• Mentor less experienced Credit Analysts and is a proponent of the departments culture.
• Complete cash flow spread requests for Loan Officers in an efficient and timely manner.
• Provide support for appraisal reviews and conduct in-house evaluations as needed.
• Manage the integrity of risk management functions by ensuring the acceptable credit standards are maintained and loans conform to established Bank policy, procedures, and regulatory requirement
• Evaluate borrowers financial position by interpreting and evaluating financial statements, tax returns, and/or projections.
• Accompany Loan Officers on customer calls and site visits of potential and existing customers as requested/needed.
• Regularly track and test borrowers' compliance with loan agreements by analyzing key financial metrics, ensuring adherence to financial covenants, and flagging any potential breaches for timely resolution.
• Review and assess borrowers' financial performance, creditworthiness, and compliance with loan terms during the annual review process, identifying risks and making recommendations for any necessary adjustments or actions.
• Perform cash flows , financial credit analysis, collateral valuations/analysis, global cash flows, etc. for commercial borrowers and guarantors.
• Research industry information; history of the borrower; or any information or articles on the internet that would pertain to the borrower positively or negatively.
• Conduct independent and objective review of loan underwriting practices, approvals, monitoring activities, and credit administration procedures.
• Evaluate the creditworthiness of potential and existing clients by analyzing financial statements, credit reports, and other relevant financial data.
• Review borrower relationships to develop an assessment of loan repayment ability validating that the risk rating and perception of risk is accurate.
• Review loan documents for accuracy, completeness, and adherence to credit memorandum covenants and conditions.
• Maintain excellent customer service to internal customers and external customers.
• Perform other duties and special projects as assigned.

WORKING CONDITIONS:

• Air-Conditioned work environment.
• Consistent and timely attendance is required to ensure uninterrupted operational efficiency and exemplary service delivery.

PHYSICAL DEMANDS:

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