Credit Analyst II - Greenway

The Credit Analyst II under general direction and guidance of the Underwriting Manager and in partnership with Lenders, Credit Officers and Credit Team Leads, the primary function of a Credit Analyst (II) is to provide credit analysis for new loans and renewal requests, reviewing financial and collateral data, providing a cash flow analysis, analyzing risk factors, and maintaining adherence to bank policies and procedures.   ESSENTIAL DUTIES AND RESPONSIBILITIES Underwrite deals over small dollar loan amount. Assist with stress testing, special credit projects. Attend sales calls with lenders (when applicable). Understand loan policy and underwriting in a manner that meets expectations. Perform business and personal financial statement analysis including spreads, income tax form analysis, underwriting charts, and account receivable and payable analysis. Pull credit reports from Sageworks. In partnership with the loan officer, structure loans in a manner that manages and mitigates risk. May review loan documents (if assigned to office location without a Portfolio Manager). May attend/ assist in presenting credit packages or comment during Loan Committee meetings for assigned portfolio loans (if assigned to office location without a Portfolio Manager). Compliance with any and all BSA/AML/CFT and Sanctions requirements set forth by Bank Policy and Procedure, including but not limited to timely completion of assigned training. SECONDARY DUTIES The position performs duties specific to the position and other functions as assigned by management. SUPERVISORY RESPONSIBILITY This position is not responsible for the supervision of staff ENVIRONMENT AND PHYSICAL ACTIVITY The incumbent is in a non-confined office setting in which they are free to move about at will.  In the course of performing the duties and responsibilities of this position spends time writing, speaking, listening, lifting (up to 25 pounds), sitting, typing on a computer keyboard, and standing, kneeling and reaching. The incumbent for this position may operate any or all of the following: telephone, copy and fax machine, adding machine, computer and related printers. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential function of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The incumbent in this position must be able to read documents or instruments, detailed work, problem solving, customer contact, reasoning, math, verbal and written communication, analytical reasoning, multiple tasks with constant interruptions.