What are the responsibilities and job description for the Commercial Credit Analyst position at LINKBANK?
Description :
Position location is flexible. Can be Camp Hill, PA or West Chester, PA
General Responsibilities / Job Summary :
The Commercial Credit Analyst primarily analyzes the financial information of commercial borrowers and prospective commercial borrowers to determine creditworthiness. The position also analyzes financial information of existing borrowers to identify deteriorating financial performance / condition of the borrowers. The Commercial Credit Analyst hired for this role is expected to perform work with independence and little supervision. This candidate is expected to have deep expertise in a specialized field (Commercial & Industrial, Commercial Real Estate, etc. ). Underwriting packages will be expected to require less rework than that of a junior Credit Analyst. This candidate should independently demonstrate a deeper understanding of appropriate credit structure, proper credit analysis, commercial product features and identification of credit risk associated with a commercial relationship. This understanding is to be demonstrated through clear and concise narrative in the underwriting memo.
Essential Functions / Duties :
- Embrace the LINK corporate values of LIVE, INTEGRITY, NURTURE, KNOWLEDGE and infuse those values throughout the company.
- This position requires the employee to possess a positive attitude and willingness to learn, while providing superior client services to all members of the bank.
- Effectively and efficiently spread and analyze borrower and guarantor financial information, summarizing findings in an underwriting memo.
- Gather background customer information from various public agencies and other resources (i.e., property searches, OFAC searches, environmental pre-screens, and credit bureau reports, appraisals, etc.)
- Ability to prioritize assigned workflow through frequent communication with the relationship management team, including updates provided at weekly sales pipeline meetings.
- Documentation and maintenance of ticklers, covenants and policy exceptions.
- May occasionally accompany Relationship Managers team on joint customer sales and service calls for exposure, learning, and offering technical support as needed.
- Through the annual review and renewal process, identify warning signals of potential problem loans recommending the appropriate risk rating and structure to management.
- Assist with loan administration and portfolio management tasks as assigned.
- Assist with special projects (system, process, policies improvements) for the Credit Department as needed.
- Assist with the training of new or less experienced Credit Analysts and work closely with interns assigned to the Credit Department.
- Other duties as assigned.
Requirements :
Minimum Qualifications :
Education / Training : High School Diploma or GED equivalent, Four (4) year college degree in Finance, Accounting, Business Administration, or Economics preferred
Knowledge / Skills / Abilities :
Experience : 5 years of C&I and / or CRE underwriting experience (commercial loans) in a traditional bank setting.
Required Certification / Licenses : N / A
Travel Requirements : Ability to travel to all locations in the bank's footprint as needed.
Physical and Mental Job Requirements :
Working Conditions :
This job operates in a professional office environment. This role routinely uses standard office equipment, such as computers, printers / copiers, phones, and postage meters.
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