Credit Analyst III

The Credit Analyst III is responsible for analyzing credit information to determine risk involved in lending money to commercial real estate and commercial and industrial borrowers. The Credit Analyst III provides expert credit analysis; performing research for management and monitoring commercial loans in the portfolio.

PRINCIPLE DUTIES AND RESPONSIBILITIES

1. Analyzes all customer financial information, including but not limited to, business tax returns and financial statements, personal tax returns and financial statements, credit reports, rent rolls, budgets, projections and any other financial information available.
2. Determines and performs appropriate level of stress testing.
3. Identifies risk and potential ways to mitigate it.
4. Risk rates the loan based on transaction, property, borrower and guarantor.
5. Researches markets and industries and prepare reports for management.
6. Prepares summary tables and writes the financial analysis section for loan proposals and makes recommendations to lender.
7. Performs annual status reports on existing loans and relationships.
8. Serves as technical resource, assisting with implementation and ongoing enhancement of credit analysis software.
9. Performs special projects as assigned.
10. Performs other duties as assigned.

EDUCATION AND/OR EXPERIENCE

• Bachelor's degree in business-related field, or a minimum 7 years’ equivalent work experience, required. 
• 4-6 years’ experience in commercial credit analysis and/or commercial lending, required.

KNOWLEDGE, SKILLS, AND ABILITIES

• Proficient in underwriting income-producing real estate, including calculating breakevens, understanding effects of changes in cap rates, interpreting real estate appraisals, and other critical concepts in CRE.
• Proficient in C&I underwriting, including basic understanding and interpretation of UCA cash flow.
• Must have good working knowledge of lending processes and subject matter.
• A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. In-depth dialogues, conversations and explanations with the commercial lending team of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience. Communications can involve motivating, influencing, educating and/or advising others on matters of significance.
• Ability to handle complex issues and problems; excellent analytical skills and attention to detail.
• Excellent verbal, written, and interpersonal communication skills.
• A significant level of trust and diplomacy required.