Credit Analyst II

Summary

Ability to apply skills toward effective financial analysis of borrower’s financial statements, cash flow analysis, and analysis of commercial credit. The individual will be able to perform credit analysis of larger commercial credits with the expectation that progress will be made toward more complex credit analysis after fulfilling the minimum job responsibilities. Well-written credit analysis with minimal revisions made by supervisor or department head.

Responsibilities

• Financial statements spreadsheets.
• Financial analysis of commercial loans (both real estate and commercial and industrial). Commercial credits will be more complex with potential for multiple collateral types, financial statement analysis of multiple guarantors, and industries with limited number of companies.
• Prepare financial analysis on unique commercial property types such as special purpose or commercial businesses with limited market share.
• Strong understanding of accounting treatments typically found in financial statements of larger commercial credits.
• Prepare well-written financial analysis of loans for presentation to loan officers and/or loan committee.
• Complete financial analysis reports that are completed in a quality manner and within service timeline expectations.
• Compliance with the Mutual Charter Agreement between Credit/Underwriting and Commercial/Special Assets Relationship Management as posted on the Bank’s Intranet.
• Effective communicator with lending officers, supervisors, and co-workers to provide for effective follow up on credit reviews.
• Mentor to Credit Analyst I.
• Protect all client and bank information confidentially and follow all company policies.
• Complete monthly training in a timely manner to ensure knowledge of bank regulatory requirements, policies, and procedures.
• Other specified duties as assigned.