What are the responsibilities and job description for the Commercial Credit Analyst position at Montgomery Bank?
Job Summary:
Provides accurate and responsive analysis of commercial credit requests. Also assists in performing annual reviews of significant commercial relationships including: business and principal profile and history, business and principal credit reputation, management history and capability, balance sheet performance and trends, income statement performance and trends, cash flow performance and trends, peer ratio performance and trends, industry performance and trends, collateral valuations, and guarantor contribution assessments.
Education Requirements:
An undergraduate degree in accounting or finance, or commensurate commercial credit related banking experience.
Knowledge Requirements:
To effectively perform the functional responsibilities of this position, a working knowledge of the following is required:
- Best industry practices concerning commercial credit analysis;
- Legal and regulatory requirements of banking and commercial credit;
- Montgomery Bank’s commercial credit culture; credit and sales process, commercial credit standards, commercial documentation requirements and Commercial Annual Review policy.
- FISCAL financial analysis software:
- Dun & Bradstreet business reports;
- Laser Pro’s commercial credit documentation software;
- ITI’s data processing programs Premier II and Director;
- Article 9 of the Uniform Commercial Code;
- Missouri real estate title requirements;
- Montgomery Bank’s imaging and credit records policy and procedure.
Performs commercial credit analysis in accordance with applicable commercial credit service level standards.
Maintains appropriate and effective communication with commercial sales staff to ensure undertaking of critical thought and constructive discussion commensurate with the nature and complexity of the commercial credit request.
Recommends appropriate commercial credit risk mitigations regarding: loan structure, credit documentation requirements including financial and performance covenants, loan collateral, guarantor contribution, and balancing the risk-reward equation.
Montgomery Bank is an Equal Opportunity Employer