What are the responsibilities and job description for the Credit Analyst III position at County National Bank?
Company Overview
County National Bank was founded in 1934 as a community bank and we continue to be committed to serving the communities of southern Michigan. With 13 full-service branches and several other financial services offices, our decisions are made by local associates and board members who have a vested interest in the communities we service. Our mission is to sustain a deep commitment to our community and our tradition of banking excellence.
Our associates are our greatest asset; they are committed to building lasting relationships with clients and coworkers. When you join CNB, you will become a part of a legacy that supports the success of our associates and our communities. If you are looking for a career with purpose and a team that values friendly and knowledgeable service, we encourage you to apply.
CNB is looking for a qualified, motivated, and client- and team-focused individual to join our team as a Credit Analyst III. This position will be ON-SITE at our Jackson location.
Key Responsibilities
- Independently underwrites and analyzes complex commercial credit relationships, including new requests, renewals, and modifications.
- Prepares loan presentations for loan committee, which includes preparation of loan application, financial statements, cash flow analysis, and risk assessments.
- Evaluates client financial statements, cash flow, and collateral structures.
- Monitors assigned commercial loan portfolios, including financial performance, and risk trends to identify portfolio risks and recommends proactive risk mitigations strategies.
- Partners with commercial lenders on deal structuring, pricing, and exception management.
- Maintains accurate and completes files and documentation and provides updates as needed to business partners.
- Collaborates with Mortgage and Consumer lending to assess and grade commercial and self-employed borrowers.
- Completes and updates various reporting for Loan Committee or Board.
- Reviews work and provides guidance to the Credit Analyst I and II for accuracy, quality, and compliance.
- Performs various other duties as assigned.