AT, Credit Analyst III

First Commerce Bank is dedicated to providing people, businesses, and communities in our markets with high quality products and services with superior customer service.  We will provide products and services through secure, user-friendly technology and customer friendly locations. Our relationships are founded in our desire to be responsive to the financial needs of our customers in an atmosphere of personal attention, professionalism, trust, integrity and fairness. First Commerce Bank prides itself on maintaining personal communications beginning with the Board of Directors.

Basic Qualifications

 Education/Training:   Bachelor’s degree in Accounting, Finance, or related field of study required; specialized bank lending education/training.

 Skill(s): Intermediate to advanced commercial real estate underwriting skills and experience; proficient in English, reading, writing, grammar, and mathematics skills; ability to manage a moderate workload on a consistent basis with limited oversight; attention to detail; ability to work under strict time requirements or under tight timeframes; proficient interpersonal relations and communication skills; advanced organizational skills; intermediate to advanced financial analysis skills; proficient PC skills including Microsoft Office and ability to learn specific financial software; thorough knowledge of current related regulations; skills sufficient to train and/or mentor new Credit Administration personnel.

 Experience:  A minimum of three (3) to five (5) years commercial credit underwriting experience, including commercial real estate and C&I lending related experience required.  SBA and non-profit underwriting experience preferred.

General Responsibilities

 Responsible for performing credit analysis to evaluate the creditworthiness of individuals and businesses for commercial loan requests; coordinating work within the department, as well as with other departments; assisting with training and mentoring of new and/or entry level credit analysts; complying with operating policies and procedures established for the credit analysis function; communicating with appropriate personnel; responding to inquiries or requests for information; maintaining appropriate records and providing assigned reports.

  Essential Duties

1.  Performs credit analysis on more complex credits to evaluate the creditworthiness of individuals and businesses of which the following are illustrative:

1. Receives application and related financial data on prospective and active borrowing accounts, e.g., tax returns, financial statements, credit reports, and lender interview and investigation sheets, etc.
2. Analyzes data and evaluates the short- and long-run prospects of the individual or business; determines the degree of risk involved in extending credit or lending money; assists in determining the likelihood that the borrower will be able to meet their financial obligations on an on-going basis.
3. Ensures that all credit analysis activities are conducted in accordance with prescribed lending policy.
4. Prepares necessary cash flow analysis to evaluate the ability of the individual and/or borrower to service the requested debt.
5. Generates financial ratios to evaluate customer’s financial status.
6. Provides thorough documentation of all financial analysis work, including ratios and other related information; provides a complete analysis suitable for presentation to appropriate approving authority; prepares related reports.
7. May make recommendations to appropriate management on the structure of credits and the granting or denying of loans; prepares sufficient information to document recommendations to approve, decline or counteroffer an application.
8. Evaluates customer records and recommends repayment options based on cash flow, earnings, savings data, payment history, and purchase activity.
9. Reviews individual and commercial customer files to identify and select delinquent accounts for collection.
10. Compares liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
11. Evaluates data and information contained in various third party reports and documents, such as appraisals, environmental reports and lease agreements.
12. Prepares written compilation of their analysis in the prescribed format for review and presentation.
13. Confers with credit association and other business representatives to exchange credit information.
14. Consults with customers to verify financial and credit transactions; resolves customer complaints.
15. Ability to manage and process multiple credit requests of varying degrees of complexity on an on-going basis.
16. Review, update and evaluate existing loan customer relationships and credit files to determine continued creditworthiness and ability to meet their financial obligations; prepare written recommendation with sufficient support to document the credit file or recommend for a risk rating adjustment.  
17. Assembles, maintains and reviews credit files to ensure all necessary information is in the file and the file contains all the appropriate information and documentation.
18. Trains new credit administration personnel as appropriate.

1. Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of harassment and other forms of illegal discriminatory behavior in the workplace.

1. Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Bank's compliance with all regulatory requirements.

1. Coordinates specific work tasks with other personnel within the department as well as with other departments in order to ensure the smooth and efficient flow of information.

1. Communicates with management and staff personnel in order to integrate goals and activities.

1. Responds to inquiries relating to his/her particular area, or to requests from other Bank personnel, customers, etc., within given time frames and within established policy.

1. Maintains appropriate records and provides assigned reports.