Commercial Special Assets Credit Analyst

Commercial Special Assets Credit Analyst

Location:

Cincinnati, OH | Salary: $71,000.00–$ | Posted: 2 months ago

At Cooperative Business Services (CBS), we deliver premier commercial lending services and cutting‑edge software solutions to financial institutions across the nation. Our expertise spans all property types, ensuring that we meet the diverse needs of our clients.

Our vision is to revolutionize financial partnerships, where institutions thrive and people flourish. This vision drives us to continually innovate and push the boundaries of what’s possible in the financial sector. Our mission is clear: to empower financial institutions with innovative thinking and market‑leading business solutions. We are committed to providing the tools and insights needed to navigate the complexities of the market, enabling our clients to achieve sustainable growth and success.

The Commercial Special Assets Credit Analyst supports the management and resolution of the organization’s special asset portfolio by performing detailed financial analysis, comprehensive document review, and ongoing credit monitoring. The role evaluates borrower and guarantor financial capacity, identifies credit and collateral risk, and provides accurate, timely analysis and recommendations to support workout strategies, risk mitigation efforts, and portfolio decision‑making. This position works closely with Special Assets leadership to ensure data integrity, financial transparency, and effective reporting across distressed and higher‑risk lending relationships.

• Perform credit analysis and risk assessment by collecting, reviewing, and spreading borrower and guarantor financial information in accordance with departmental guidelines to support sound credit decisions.
• Analyze financial performance and repayment capacity by evaluating balance sheets, income statements, cash flow, trends, and variances to identify credit and collateral risk.
• Support portfolio monitoring and Special Assets activities by assisting with loan reviews, collateral evaluations, action plans, and ongoing credit oversight.
• Monitor collateral compliance by verifying real estate tax payments and insurance coverage to ensure adequate risk mitigation.
• Perform CECL impairment analysis for individually evaluated loans and document reserve conclusions and recommendations.
• Maintain accurate and audit‑ready loan documentation by organizing files, updating internal systems, and supporting internal and regulatory reporting.
• Perform related duties as assigned to support effective credit administration and risk management.
• Perform other related duties as assigned by management.

• Seniority level
  :
  Entry level
• Employment type
  :
  Full‑time
• Job function
  :
  Finance and Sales

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