Credit Analyst

Reviews various financial documents and credit file information to assess a borrower’s ability to repay, prepare comprehensive loan presentations and determine overall relationship risk rating based on this analysis. Must possess knowledge of applicable banking compliance regulations.

• Work with lenders and CCO to ensure consistent and accurate credit analysis and loan presentations
• Prepare financial statement spreads and perform comprehensive analysis of cash flow
• Evaluate individual personal financial statements, tax returns, and prepare global cash flows
• Verify compliance with credit policy, applicable regulations, and lending procedures
• Conduct industry and market analysis to identify risks and risk mitigating factors
• Prepare analyses of complex loan requests, reviews, and renewals
• Work with lenders to provide timely response and turnaround by monitoring and prioritizing pipeline
• Work with lenders, CLO and Credit Administration to ensure the appropriate level of regular analysis for all credits
• Work with lenders on new and troubled relationships in understanding the cash flow, balance sheet qualities, and overall strength and weaknesses of the transactions
• Provide exemplary customer service to both internal and external customers
• Formulate questions based on financial statements and other client information identifying changes in customer’s financial condition
• Utilize the findings of the analysis, identify structural deficiencies within the commercial relationship and report mitigations
• Maintains all commercial relationship files
• Required to attend or participate in necessary compliance training, including but not limited to BSA, Security, Information Technology, OFAC, Privacy and applicable BVS courses
• Perform all other duties as assigned

• BA or BS in Accounting, Finance, Economics or related field required OR equivalent experience in commercial lending
• 0-3 years’ experience in credit analysis preferred
• Excellent verbal and written communication skills
• Ability to multi-task in highly demanding environment
• Strong analytical skills with the ability to remain focused & work independently
• Must possess excellent oral and written communication skills

RECOMMENDED TRAINING:

• Principals of Banking
• Loan Documentation
• Money & Banking
• Analyzing Financial Statements
• Commercial Lending

ADDITONAL RECOMMENDED TRAINING:

• Law and Banking
• Real Estate Law
• Loan Structuring