Commercial Credit Analyst

The Commercial Credit Analyst is responsible for taking a lead role in underwriting a variety of deals for our banking customers. They will provide independent and sound opinions on appropriate structures, terms, covenants, and risk ratings of a credit. This role is responsible for all written and verbal underwriting performed, including articulating their opinion of credits to Credit Committees. The Commercial Credit Analyst is a lead underwriter in a given territory and will be responsible for adding front end guidance on commercial and Ag. loans within the territory.

Underwriting and Analysis

• Compare liquidity, profitability, and credit histories of individual or company being evaluated with similar establishments to determine risk
• Analyze financial data including but not limited to income growth, quality of management, and market share to determine expected profitability of loans
• Prepare and present loan presentations including but not limited to credit analysis, summaries of loan requests, risk reports and recommended payment plans
• Complete annual reviews on loan relationships in excess of $1MM per loan policy and recommend further analyses, risk rating modifications or collection action to loan officer
• Assist with the accounting and file maintenance of branch loans and lease transactions
• Provides accurate financial analysis for intermediate sized client relationships by utilizing various software applications and other related systems (Paynet & credit reporting agencies)
• Qualifies and validates financial information utilized in the credit decision making process 
• Collaborates with the Lending Officer to recommend loan structure that serves to minimize the credit risk to the Bank
• Provides ongoing monitoring of financial covenants and works with the Lending Officer to formulate default waivers
• Ensures relationships are appropriately risk rated during the underwriting process and recommends risk rating changes to the Loan Officer in a timely manner
• Participates in customer calls with the Lending Officer as requested and/or time permits
• Provides knowledgeable, well‐articulated responses to questions received in credit committee meetings
• Provides prompt turn around on customer and credit action requests, while communicating the status of loans in process with the lending officer and/or Credit Analyst Manager 
• Reviews and articulates findings within third party collateral reports to the Lending Officer and/or Credit Analyst Manager 
• Engages third party collateral evaluations 
• Provides identification of policy exceptions and variances throughout the underwriting process articulating these exceptions within the written credit action
• Conducts customer file maintenance when necessary, transferring financial related data and third‐party collateral reports into the bank’s document imaging system
• Completes approved risk rating changes  

Other Administration & Miscellaneous       

• Assists with the mentoring/coaching of junior Credit Analysts
• Develops knowledge on SBA loan products along with policy and procedures
• Attends general credit analysis training provided by Credit Analyst Manager as well as RMA or MBA classes
• Comply with responsibilities as they relate to the Bank Secrecy Act (BSA), Anti‐Money Laundering Act (AML), Patriot Act, and Office of Foreign Assets Control Regulations (OFAC). This includes participating in any required training and promptly complying with all reporting requirements
• Consult with customers as needed to verify financial and credit transactions
• Performs duties and projects outside normal scope as assigned

Qualifications

• Bachelor’s degree in accounting, Finance, or related field and/or 3-5 years of credit and underwriting experience
• Leads as a team player with excellent interpersonal skills along with written and oral communication skills
• Exhibits problem‐solving, and decision‐making skills and fosters open communication
• Proficient computer skills including Microsoft Office (Word, Excel, Web Equity)
• Must display consistent, detailed and strong organizational skills
• Use sounds judgment in prioritizing tasks to work under tight deadlines
• Prioritizes workload with minimal supervision to serve the needs of the Lending Officer and Bank’s clients 
• This position may require travel to various Choice Bank offices and customer locations to complete various functions including but not limited to inspections

Cultural Alignment

Choice is #PeopleFirst, banking second.

People don’t need just another bank. People need to be supported by a team of trusted partners who will get to know them and their business, understand their challenges, discover their dreams, and recognize the success in bringing people and banking together in our communities.

In contributing to our culture, Choice team members are guided by our core values.

• Embrace change and encourage innovation.
• Know when to ask for help and know when to offer help.
• Better the places we live.
• Work hard. Do the right thing. Have a little fun.

Our vision of Diversity at Choice is supported by our #PeopleFirst mission and our core values.

Being #PeopleFirst means that Choice is committed to focusing attention and resources towards creating an environment where everyone feels respected and valued and can do their best work. Doing the right thing means encouraging employees to share their experiences and ideas, and to bring their whole authentic selves to work. Together, we can build an inclusive culture that seeks out, supports, and celebrates diverse voices. We can use our diversity to fuel creativity and innovation and bring us closer to our customers and the communities we serve. Be welcome at Choice. We can see you here.