Commercial Credit Analyst

Commercial Credit Analyst# Commercial Credit Analyst Columbus Headquarters - Columbus, OH 43081## Overview Position Type Full Time## Description
** About CFBank:
** We are an award-winning, fast-growing, high-achieving organization that thrives on winning. If you are seeking a place where you can have enhanced visibility, add more value, and you thrive in a dynamic and growth-focused environment, you belong  are agile, we work with integrity, and we hustle. For over 130 years we’ve been serving our communities and over the past decade have become a top performer, successfully growing our business and attracting some of the best talent out there.

We are a commercial bank that offers a boutique banking experience for personal banking clients. Our unique business model offers direct access to decision-makers, great technology, great products, and competitive pricing that position our teams to go into the market and win business
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* About the role:

** This opportunity is best for candidates who have an interest in building a career in commercial lending and are seeking increased exposure, visibility, and potential impact. In this role, you will be part of a high-powered Credit team, who partners closely with our commercial sales teams across all our growing markets. Our commercial banking team is encouraged to generate a wide range of relationships spanning business banking and the middle market so expect variety in your daily work!

A great opportunity to maintain an expansive skillset with direct access to executive management, all while serving a wide range of needs in local business communities.
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* What you’ll do:

*** Responsible for underwriting and credit analysis in the areas of commercial lending, commercial real estate lending, and credit administration.
* Analyze financial records including earnings, savings, payments, and purchase of the company or individual and recommend other useful financial activity for further plans.
* Compare liquidity, profitability, and credit histories of individuals or companies being evaluated with similar establishments to determine risk.
* Complete loan applications, including credit analyses and summaries of loan requests, and submit for approval.
* Minimize bad debt risk and maximize accounts receivable collections.
* Generate financial ratios, using computer programs, to evaluate customers' financial status.
* Comply with internal security policies and procedures and maintain customer confidentiality at all times.
* Adhere to all regulations, policies, and record-keeping requirements. Complete all required training related to bank regulations and policies.
* Accept other responsibilities and projects as requested to add value for CFBank.
* Spreads financial statements for Borrower and Guarantor using the credit presentation software program.
* Processes covenant testing according to procedures established by the Credit area of the Bank. Report deficiencies in covenant to management and loan officer.
* Assists Credit Administration in the review of real estate appraisals and evaluations as necessary prior to loan closings.
* Demonstrates proficiency in independently dealing with deadlines, managing workflow, and understanding processes in a timely manner.
* Participates in weekly credit committee meetings, presents loan packages to the executive board as necessary to outline strengths/weaknesses in the deal accordingly, responding to inquiries from officers and committee members' questions.
* Participates in weekly sales meetings to discuss current workflow and status of credit packages. Develops an understanding of past-due loans, discussion of pending items to note for the upcoming week.
** Education and Experience
*** At least 1 year of experience in credit/lending preferred.
* Understanding of rules, regulations, and best practices associated with lending, including ICRE and C&I loan and lease types.
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* What We Offer:

*** Career advancement and skill enhancement opportunities as a result of our focus on growth through collaboration as well as our uniquely flat organizational chart, which provides all roles with unique visibility to the Executive team.
* Excellent Benefits Package:
Top benefits include dependent coverage, generous PTO, Federal Holidays, and Paid Parental Leave for those who qualify for eligibility.* “Accelerated” 401k Plan and Employee Match of 50% of the first 8% deferred, available your first full month of employment with a 3 year vesting
* Employee Banking Products and Services and Direct Deposit of payroll to CFBank Account (over 90% of our employees bank with us!)
* Employee Assistance Program with a wide range of free resources such as estate planning and wellness resources
* One of the most collaborative environments you’ll find, with a team of hard-working mutually invested professionals who are excited about shared success
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