Credit Analyst II - Metals, Materials & Construction

Overview

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The Credit Analyst II is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues as needed. In addition, a successful Credit Analyst II will be able to draft documents and prepare for credit reviews with limited support from the Portfolio Managers. The role requires knowledge of financial and risk analysis and proficiency in financial modeling.

The analyst will build proficiency in underwriting, developing the ability to complete the underwriting process from beginning to end with limited oversight, and will attend and support Portfolio Reviews as required.

The position is responsible for risk management, openly exchanging ideas, elevating concerns, and following policies and procedures. The analyst must consistently identify, assess, manage, monitor, and report risks of all types while operating within the Bank's risk appetite and achieving results.

• Partner with Portfolio Managers in credit and underwriting, performing analytical tasks as needed
• Use critical thinking to identify and draft documentation
• Regularly complete indicative credit information in Banking Systems with minimal errors
• Prepare risk‑rating scorecard and tickler event analysis, determining actions in collaboration with PMs
• Develop risk models and advise PMs of unforeseen obstacles that may impede meeting client expectations
• Identify and determine monitoring analysis activities required
• Verify covenants and define updates needed on ticklers
• Monitor covenant completion, track past‑due or out‑of‑compliance covenants, and recommend appropriate action
• Assess covenant compliance reporting and identify issues
• Review covenant compliance certificates to understand performance and determine actions
• Update financial covenants and calculations as needed
• Run Probability of Default (PD) model with oversight
• Understand and evaluate completed spreads, determining necessary edits in collaboration with the CCU team
• Recommend preliminary portfolio management actions using Credit Service reporting and RADAR with some oversight
• Prepare ALSR reports with oversight
• Run risk and projection models with oversight assumptions provided
• Complete underwriting process with limited oversight
• Create and complete a CAM with little to no errors
• Rewrite renewals for deals of limited complexity
• Perform portfolio analysis and develop material for Portfolio Reviews in preparation for client meetings
• Support Portfolio Managers and special projects as needed
• Take remedial actions to resolve deficiencies and, when necessary, escalates questions or disputes to the appropriate level
• Assist with training of new employees as required
• Work on special projects assigned by management

None

• Bachelor's degree in Business (e.g., Business Administration, Finance, or Accounting)
• 2+ years of Corporate Banking credit 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 documents
• General knowledge of U.S. government and regulation
• Knowledge of local or regional market preferred, but not required
• Proficiency in internal banking applications
• Strong verbal and written communication skills
• Demonstrated expertise in effective problem solving and analytical skills with the ability to handle and prioritize multiple tasks
• Proficient in all Microsoft Office software

• Normal office environment with little exposure to dust, noise, temperature and the like
• Minimal travel required

Credit Analyst II – Metals, Materials & Construction Total Base Pay Range: $54,400.00 – $ USD Annual

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