Commercial Credit Analyst

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The Credit Analyst is primarily responsible for completing the daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues as needed. In addition, a Credit Analyst drafts credit approval documents and review memos for loans and other ancillary products. documents and prepare for credit reviews. The Credit Analyst is knowledgeable on financial and risk analysis and demonstrates proficiency in financial modeling.

The Credit Analyst is expected to build proficiency in underwriting, developing the ability to complete the underwriting process from beginning to end with limited oversight on increasingly complex credits. Additionally, the Credit Analyst will attend and support Portfolio Reviews as needed.

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank’s risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

• Responsible for proactivelymonitoring
  
  Credit Excellence andinitiatingcollection of financial statements for upcoming renewals and periodic reviews.

• Prepare succinctcredit approval memos with minimal errors,including company and industry descriptions, key credit risks, historical analysis, base and downside case projection assumptions/rationale and terms and conditions.

• Completeongoing portfolio monitoring, including covenant tracking, financial statement reviews,and runrisk rating models.

• Identifyanddeterminemonitoring analysis activities required

• Verify covenants and define updates needed on ticklers

• Monitor covenant completion and track past due or out of compliance covenants and recommend appropriate courseof action

• Responsible for understanding and evaluating completed spreads todeterminenecessary edits working in collaboration with the CCUteamworkstoidentifyand resolve required edits or corrections

• Generate and provide various pipeline and portfolio reporting as needed to credit leadership, portfolio managers, underwriters, relationshipmanagersand others as needed.

• Prepare Criticized Period Reviewsreportswith oversight

• Responsible for running projection models with assumptions provided

• Responsible for completing underwriting process with limited oversight

• Preparesportfolio analysis and Portfolio Reviewmaterials

• Ensure accuracy, integrity, and timeliness of credit data across internal systems and reports

• Take appropriate actionto resolve data, documentation, or analysis deficiencies and escalatquestions to the appropriate level

• Identify emerging risks or negative trends and escalatappropriately.

• Maintain a working knowledge of Bancorp credit policies,guidelines and procedures.

• Perform Borrowing Entity PD Ratings and Obligation LGD Ratings.

• Mayassistwith training and onboarding of new employees

• May support special projects or ad hoc analysis as assigned by management

None

• Bachelor’s degree in Business (e.g. Business Administration, Finance, or Accounting)
• 2+ years of Commercial Banking experience.
• Sound Financial and risk analysis understanding, including the ability to develop financial models.
• Extensive Knowledge of banking products and services.
• Knowledge of corporate business structure and legal…