Credit Analyst II

General Responsibilities / Job Summary (A brief description that summarizes the overall purpose and objective of the position and the results you are expected to accomplish):

• Analyzes financial information of commercial borrowers and prospects to assess creditworthiness.
• Reviews existing borrowers’ financials to identify signs of deterioration.
• Works with less supervision and more independence than a Credit Analyst I.
• Develops deeper expertise in specialized fields (e.g., Commercial & Industrial, Commercial Real Estate).
• Produces underwriting packages requiring minimal revisions.
• Demonstrates strong credit structuring, analysis, product knowledge, and risk identification.
• Communicates findings clearly through concise underwriting memos.

Essential Functions/Duties (A few accountabilities that cover the tasks, duties and responsibilities that are most important to get the job done, listed in priority order. Describe what must be accomplished including supervision or management responsibilities and quality and quantity standards.):

• 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 coordination of Officer’s Loan Committee and Director’s Loan Committee, including preparing committee packages and minutes. Assist with the preparation of management reports needed for the Credit Department.
• 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.

Minimum Qualifications:

Education/Training: High School Diploma or GED equivalent, Four (4) year college degree in Finance, Accounting, Business Administration, or Economics

Knowledge/Skills/Abilities:

• One must have an analytical mindset with an interest in business/entrepreneurship.
• Ability to manage multiple priorities with clear direction from supervisor.
• Must be able to partner closely with Lending Team (“Line”) and senior/executive management within the Bank.
• Partnership with the relationship management team includes a team approach to understand and effectively underwrite commercial credit requests, while meeting customer expectations.
• Partnership with senior/executive management includes working to develop underwriting knowledge with Credit Officers and with executive management to achieve strategic goals of the Bank.
• Underwriting commercial credit involves many instances of independent judgement calls and decision making as the analyst reviews and evaluates financial and loan information. While the analysts evaluate risks based on information provided, the ultimate decision to approve or deny a commercial loan is with designated approvers with approval authority (RMs, Senior Analysts, Regional Presidents, Senior Credit Officer, President, Chief Credit Officer, CEO).

Experience: One (1) to three (3) years of commercial banking experience in lending or credit.

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:

• Must be able to verbally communicate instructions and information clearly, concisely, and accurately to our clients and other employees.
• Must be able to read and comprehend sometimes complex schedules, and details to process correspondence accurately, while providing exceptional client service.
• Manual dexterity for the functional operation of office equipment, computer terminal, and other office equipment.
• Must have visual acuity required to work at a computer terminal.
• Mobility enough to coordinate activities in the department and lifting up to 50 pounds may be required.

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.