What are the responsibilities and job description for the Commercial Credit Analyst II position at Bangor Savings Bank?
Job Profile SummaryFUNCTION : Works proactively with loan officers to prepare independent comprehensive written presentations of the Bank's existing and prospective business lending relationships. These relationships range from small business loans originated by branches to the largest business loans, and include C&I, CRE, and community development transactions.KEY ACCOUNTABILITIES : Spreads and independently analyzes complex financial statements, cash flow ability, etc., to develop an assessment of a borrower’s credit risk. Works closely with loan officers in evaluating new credits.Assesses the borrower's overall financial condition; details risks and mitigants; evaluates adequacy of repayment sources, including cash flow, leverage, collateral adequacy, and guarantor strength.Assesses compliance with regulatory guidelines and identifies exceptions to loan policy, and recommends appropriate risk ratings.Approves loans within assigned lending authority and makes recommendations to management for loans that have policy exceptions and exceed lending limits.Seeks to find creative alternatives to meet client borrowing needs. Is familiar with alternative loan structures, and government guarantee programs that can be used to manage credit risk.Reviews collateral valuations and legal documentation for accuracy and compliance with Bank policies and applicable regulationsAssists with other responsibilities such as technology initiatives, process improvement initiatives, appraisal coordination and / or review, Management Loan Committee activities, and other special projects as assigned.Able to underwrite both small and large credit transactions, varying analyses based on deal and credit complexity.Collects and maintains industry data; researches industry specific information from outside sources, online resources, industry publications, references from other banks, and credit agencies.Customer Experience : Works to deliver superior client service at all times.Compliance and Control : Assists in ensuring that the Bank complies with local, state and federal regulations.General : Interacts harmoniously and effectively with others, focusing upon the attainment of bank goals and objectives through a commitment to teamwork, especially between the underwriting and lending functionsConforms to acceptable punctuality / attendance standards as expressed in the Employee HandbookKNOWLEDGE / SKILL & EXPERIENCE REQUIREMENTS : Bachelors Degree in Business or Accounting related fieldMinimum of 2 years of commercial credit experience. Experience level will drive PositionStrong analytical and organizational skills with an ability to interact effectively with all levels of staff and managementExcellent customer service skillsPrior success in a customer contact role desirableStrong communications skills, verbal and writtenStrong PC skillsPHYSICAL DEMANDS, CONDITION REQUIREMENTS, & EQUIPMENT USED : General office environmentModerate lifting (to 35 lbs.) required. Moderate reaching, walking, sitting and standing requiredExternal and internal applications, as well as position incumbents who become disabled, must be able to perform the essential functions (as listed) either unaided or with the assistance of a reasonable accommodation to be determined by management on an individual basis.At Bangor Savings, we understand the importance of continuing to nurture an internal culture of excellence for each of our employees. We offer internal and external training to assist our employees in realizing their career aspirations including internships, lateral training, management training, and tuition reimbursement.We also offer a unique set of benefits designed to support our employees in living their best life and achieving their goals. Our holistic health and wellness programs allows each employee to customize their approach to well-being. And our pay, rewards, recognition, and incentive programs ensure that they are well-compensated for a job well-done.At Bangor Savings Bank, the work our employees do each and every day allows us to deliver on our promise to make a difference in the lives of people in New England in a way that really matters.Bangor Savings Bank provides equal employment opportunities to all applicants and employees without regard to race, color, religion, gender, sexual orientation, age, national origin or any other class protected under state or federal law and affirmatively seeks to advance the principals of equal employment opportunity. In addition, the Bank is committed to providing equal employment opportunities to qualified persons with disability, veterans, and / or disabled veterans. No question on this application is intended to secure information to be used for such discrimination, this application will be given every consideration, but its receipt does not imply that the applicant will be employed. This application will remain active for a period of 90 days. If, after such time, you still wish to be considered for employment, you must reapply. Bangor Savings Bank does provide workers compensation coverage for employees injured on the job. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.
