Credit Analyst II

Requirements Credit Analyst II 

• Minimum of 3 years experience in commercial underwriting (with a focus on commercial real estate) OR a minimum of 5 years banking experience (or related commercial real estate finance experience)
• Bachelor degree in Accounting, Finance, or related field of study
• Specialized bank lending education/training preferred (but not required)
• Intermediate commercial real estate underwriting skills and experience, SBA experience preferred
• Proficient in:
  • English (reading, writing, grammar, and mathematics)
  • Interpersonal relations and communication
  • Organizational skills
  • PC skills, including Microsoft Office, and ability to learn specific financial software
• Ability to manage a moderate workload on a consistent basis with limited oversight
• Attention to detail
• Ability to work under strict time requirements or under tight timeframes
• Developed financial analysis skills
• Thorough knowledge of current related obligations

We offer the following excellent benefits to our Full-Time employees:

• Medical benefits
• Dental benefits
• Vision benefits
• Life insurance (employer paid)
• 401(k) matching
• PTO (Paid Time Off)
• Paid Federal Bank holidays
• LTD insurance (employer paid)
• Flexible spending account
• Health savings account (employer contribution)
• LifeMart (employee discount programs)

Responsibilities:

• Receives application and related financial data on prospective and active borrowing accounts, e.g., tax returns, financial statements, credit reports, and lender interview and investigation sheets.
• Analyzes data and evaluates the short- and long-run prospects of the individual or business; determines the degree of risk involved in extending credit or lending money; assists in determining the likelihood that the borrower will be able to meet their financial obligations on an on-going basis.
• Ensures that all credit analysis activities are conducted in accordance with prescribed lending policy.
• Prepares necessary cash flow analysis to evaluate the ability of the individual and/or borrower to service the requested debt.
• Generates financial ratios to evaluate customer’s financial status.
• Provides thorough documentation of all financial analysis work, including ratios and other related information; provides a complete analysis suitable for presentation to appropriate approving authority; prepares related reports.
• May make recommendations to appropriate personnel on the granting or denying of loans; prepares sufficient information to document recommendations to approve, decline or counteroffer an application.
• Evaluates customer records and recommends repayment options based on cash flow, earnings, savings data, payment history, and purchase activity.
• Reviews individual and commercial customer files to identify and select delinquent accounts for evaluation and action.
• Compares liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
• Evaluates data and information contained in various third party reports and documents, such as appraisals, environmental reports and lease agreements.
• Prepares written compilation of their analysis in the prescribed format for review and presentation.
• Confers with credit association and other business representatives to exchange credit information.
• Consults with customers to verify financial and credit transactions. 
• Ability to manage and process multiple credit requests of varying degrees of complexity on an on-going basis.
• Review, update and evaluate existing loan customer relationships and credit files to determine continued creditworthiness and ability to meet the their financial obligations; prepare written recommendation with sufficient support to document the credit file or recommend for a risk rating adjustment.  
• Assembles, maintains and reviews credit files to ensure all necessary information is in the file and the file contains all the appropriate information and documentation.

First Commerce is dedicated to providing people, businesses, and communities in our markets with high quality products and services with superior customer service.  We provide products and services through secure, user-friendly technology and customer friendly locations. Our relationships are founded in our desire to be responsive to the financial needs of our customers in an atmosphere of personal attention, professionalism, trust, integrity and fairness. First Commerce prides itself on maintaining personal communications beginning with the Board of Directors.

First Commerce Bank is an Equal Opportunity Employer.  All qualified applicants receive consideration for employment without regard to race, color, religion, sex, age, disability, protected veteran status, national origin, sexual orientation, gender identity of expression, genetic information or any other characteristic protected by applicable law.