Commercial Credit Analyst II

Commercial Credit Analyst II Exempt Reports to: Vice President Business Development & Sales Manager Primary Purpose of Position The Commercial Credit Analyst II is responsible for providing insightful and timely credit analysis of prospective and current borrowers, including interpretation of financial statements, collateral and cash flows. Job Summary Duties and Responsibilities

• Underwrite new commercial loan requests and render decisions in adherence with lending policy.
• Prepare credit presentations as part of the loan decision-making process.
• Spread, review and analyze updated financial statements and supporting documentation on existing commercial and new commercial loans.
• Review documents for general interpretation (correspondence & memos), as well as analytical purposes (appraisals and technical reports).
• Work closely with commercial lenders to ensure open communication regarding the customer and to ensure accurate file documentation.
• Identify any perceived credit weaknesses or potential credit problems and document.
• Assures conformity to regulatory guidelines and company policies, indentifies policy exceptions and recommends appropriate risk ratings.
• Responsible for coaching and mentoring loan officers and Credit Union partners around delivering credit solutions.
• As assigned provides training support to junior analysts and trainees.
• Understands, supports and adheres to applicable organizational policies/procedures and state/federal regulations.
• Consistently emphasizes the importance of teamwork in the department and company at large.
• Responsible for keeping abreast of company news and information.
• Responsible for completing required training and policy review.
• May serve on various committees.
• Willingness to take on additional tasks and duties as needed.

Knowledge and Skills

• High school or General Education Diploma required.
• Bachelor’s degree in Accounting, Finance, or related field is preferred.
• Three to five years of similar or related experience is preferred.
• Experience in a professional, service focused and fast-paced environment.
• Strong analytical, verbal and written communication skills.
• Work involves contact with other business partners inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation.
• Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.
• Ability to perform multiple tasks and remain calm and positive in a busy and challenging environment.
• The ability to perform analysis of commercial loan requests and summarize multiple facts and details and the ability to draw and support sound conclusions.
• Thorough understanding of global cash flow and underwriting criteria.
• Proficient in Microsoft Office Products is required.

Physical Requirements

• Use of standard office equipment (telephone, copier, fax, personal computer and so on) is required on a daily basis.
• Work requires the use of a video display terminal (VDT) and application of manual.
• Dexterity and eye-hand coordination (basic keyboarding).
• Occasional lifting and moving of moderately heavy objects.
• May be seated for extended periods of time.

All requirements are subject to possible modification to reasonably accommodate individuals with disabilities. Some requirements may exclude individuals who pose a direct threat or significant risk to the health and safety of themselves or other employees. This job description in no way states or implies that these are the only duties to be performed by the employee occupying this position. Employees will be required to follow any other job-related instructions and to perform other job-related duties requested by their supervisor. Requirements are representative of minimum levels of knowledge, skills and/or abilities. To perform this job successfully, the incumbent will possess the abilities or aptitudes to perform each duty proficiently. This document does not create an employment contract, implied or otherwise, other than an “at-will” employment relationship. Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Health insurance
• Health savings account
• Life insurance
• On-site gym
• Paid time off
• Professional development assistance
• Vision insurance

Education:

• Bachelor's (Preferred)

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