Credit Analyst

JOB DESCRIPTION

Credit Analysts provide analytical support in underwriting/analyzing commercial credit facilities and assist Portfolio Managers and Relationship Managers in managing customer relationships.

• Interpret financial statements and provide financial analysis support utilized in underwriting complex C&I and commercial real estate loans.
• Work proactively to ensure production is prioritized appropriately and completed in a timely manner. Specific tasks include financial statement spreading; completing financial analysis documents; updating and creating new requests, modifications, renewals and annual reviews in the Bank’s commercial loan system; tracking and completing covenant monitoring, completing industry research and developing a strong understanding of the Bank’s commercial loan policy.
• Participate in relationship team meetings with management and credit partners to explain information in the analysis when warranted.
• Analyze and prepare credit approval documentation in FHB’s commercial loan system. Credit Analyst II is responsible for accurately reflecting all loan terms, collateral, covenants, loan grade inputs, policy exceptions, and calculating credit exposure for a given relationship in the commercial loan system.
• Partner with Portfolio Managers to monitor and manage assigned commercial loan portfolios. This responsibility includes tracking covenants, recording financial statements, and monitoring company performance against expectations. Credit Analyst II is responsible not only for accurate calculations and inputs but also for thoughtful implementation of policies, procedures, and guidelines.
• Identify and report material changes or trends in the financial statements of borrowers or guarantors observed in the preparation of credit approval presentations
• Participate in internal credit conversations with PM’s, RM’s Credit Officers and senior management and in external meetings with clients and prospects.
• Participate in portfolio management projects.
• The successful candidate will demonstrate consistently high level of ownership of portfolio management metrics and team initiatives, flexibility in responding to RM/PM/senior management and client deadlines, high level of detail and follow-through, and independence within the framework of the role in assisting in achieving business goals.
• Performs all other duties as assigned

Credit Analysts provide analytical support in underwriting/analyzing commercial credit facilities and assist Portfolio Managers and Relationship Managers in managing customer relationships.

• Interpret financial statements and provide financial analysis support utilized in underwriting complex C&I and commercial real estate loans.
• Work proactively to ensure production is prioritized appropriately and completed in a timely manner. Specific tasks include financial statement spreading; completing financial analysis documents; updating and creating new requests, modifications, renewals and annual reviews in the Bank’s commercial loan system; tracking and completing covenant monitoring, completing industry research and developing a strong understanding of the Bank’s commercial loan policy.
• Participate in relationship team meetings with management and credit partners to explain information in the analysis when warranted.
• Analyze and prepare credit approval documentation in FHB’s commercial loan system. Credit Analyst II is responsible for accurately reflecting all loan terms, collateral, covenants, loan grade inputs, policy exceptions, and calculating credit exposure for a given relationship in the commercial loan system.
• Partner with Portfolio Managers to monitor and manage assigned commercial loan portfolios. This responsibility includes tracking covenants, recording financial statements, and monitoring company performance against expectations. Credit Analyst II is responsible not only for accurate calculations and inputs but also for thoughtful implementation of policies, procedures, and guidelines.
• Identify and report material changes or trends in the financial statements of borrowers or guarantors observed in the preparation of credit…