Commercial Credit Analyst

Credit Analysis: 70% 

• Complete comprehensive financial and risk analysis and documentation including the review of tax returns, financial statements, credit reports, UCC searches and filings,       title reports and escrow instructions (when applicable).
• Complete borrowing base/collateral analysis.
• Analyze financial statements for spreading into the Bank's loan origination software, accounts receivable and borrowing base analysis, etc.
• Analyze personal tax returns (including K-1s) for appropriate spreading and/or cash flow analysis.
• Prepare simplified credit presentations (credit memos and CITs) for review by Credit Administrator.
• Communicate regularly with internal staff, clients and other Bank departments to procure information and complete customer service functions.

Compliance Tracking, Monitoring and Reporting: 20%

• Review and coordinate the Business Loan Agreement (BLA) compliance of loan covenants and financial reporting, ensuring collection of information and communication         with Credit Administration.
• Respond to internal and external audit requests, as well as implement self-audit processes.
• Recommend methods and procedures to improve department efficiency and reporting functions.
• Attend internal and external meetings as required.
• Ensuring database information is up to date and accurate for ad hoc reporting regarding loan totals, past dues, risk grades, maturities, and sales contacts.

Non-Essential Functions: 10%

• Perform special projects and research as assigned.
• Perform other duties as assigned.

Supervisory Responsibility:

Individual Contributor: Contributes to the organization but does not lead, supervise or manage others.

Minimum Qualifications:

Education Required:

AA degree in finance, accounting, or related field; or an equivalent combination of education and experience.

Experience Required:

Minimum 2 years' experience in commercial lending

Knowledge, Skills and Abilities

• Knowledge of financial, tax, and accounting principles for report analysis.
• Knowledge of loan origination software
• General knowledge of construction, commercial real estate, and commercial loan underwriting methods and practices.
• Knowledge of tax analysis methods and financial analysis tools.
• General understanding of loan origination software and basic understanding of the loan documentation processes.
• Skills operating a personal computer including MS word processing, contact management, Outlook, Excel, and use of the search engines for research.
• Ability to interpret financial documents.

Physical Requirements:

Office Worker: Ability to stand, bend, stoop, sit, walk, twist and turn. Ability to lift up to 15 pounds
occasionally. Indoor office work environment with a majority of time sitting at a desk.

Compensation:

The hiring range for this position is $70,000 to $100,000 per year.  The salary offered will fall within this range commensurate with the candidate's applicable experience, education, and skills.

Salary : $70,000 - $100,000