Credit Analyst II

Credit Analyst II

As a Credit Analyst II, you will play a pivotal role in helping drive smart lending decisions and supporting the growth of a dynamic commercial portfolio. In this position, you will partner closely with Loan Officers to evaluate new and existing financing opportunities from initial request through payoff, renewal, and modification. You will deliver thoughtful, high-quality credit analysis for a diverse portfolio that includes commercial and industrial, commercial real estate, and private banking/professional services clients.

This is an exciting opportunity for a detail-oriented financial professional to combine analytical expertise, business insight, and collaborative partnership to make a meaningful impact on both client success and the Bank's lending strategy.

This position also works cooperatively to support the Lending and Credit functions of the Bank, including, but not limited to:

The Credit Analyst II will train/coach less experienced analysts, provide a daily advisory role and peer support for other analysts.

The Credit Analyst II underwrites primarily medium to large sized loans.

• Bachelor Degree in Accounting, Finance or Economics is preferred. MBA or similar advance degree or coursework is a plus.
• 3 years relevant experience is required with a preference for direct credit analysis experience in a commercial lending environment or financial analysis in an investment management, finance, accounting or comparable field.
• An acute comprehension of GAAP.
• Advanced financial modeling skills are required.
• The successful completion of a formal credit /financial analyst training program is strongly preferred.
• Proficiency with Microsoft Office products (Word, Excel) and financial statement spreading software is required. Familiarity with Abrigo/Sageworks is beneficial but not required.
• Strong writing skills.

• You should be naturally inquisitive with a problem-solving mindset, be flexible and able to adapt to frequently changing priorities, have a positive attitude and ability to complete work within the required, often fast-moving timelines.
• Good organizational skills and ability to multi-task are essential.
• Position requires the capacity to provide guidance to more junior credit analysts

• Functional/technical learning
• Basic understanding of risk & controls
• Detailed oriented
• Service level driven
• Understands business process

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions. While performing the duties of this position, the employee is regularly required to talk or hear. The employee frequently is required to use hands or finger, handle, typing or feel objects, tools or controls.

The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The noise level in the work environment is usually moderate.