Credit Analyst- Environmental Services; ESD

Position: Credit Analyst- Environmental Services (ESD)
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GENERAL FUNCTION:  

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.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

+ Responsible for proactively   monitoring   Credit Excellence and   initiating   collection of financial statements for upcoming renewals and periodic reviews.

+ Prepare succinct   credit approval memos with minimal errors,   including company and industry descriptions, key credit risks, historical a nalysis, base and downside case projection assumptions/rationale and terms and conditions.

+ Complete   ongoing portfolio monitoring, including covenant tracking, financial statement reviews,   and run   risk rating   models .

+ Identify   and   determine   monitoring 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 course   of action

+ Responsible for understanding and evaluating completed spreads to   determine   necessary edits working in collaboration with the CCU   team works   to   identify   and resolve required edits or corrections

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

+ Prepare   Criticized Period Reviews   reports   with oversight

+ Responsible for running projection models with assumptions provided

+ Responsible for completing underwriting process with limited oversight

+ Prepares   portfolio analysis and Portfolio Review   materials

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

+ Take   appropriate action   to resolve data, documentation, or analysis deficiencies and escalate questions to the   appropriate level

+ Identify   emerging risks or negative trends a nd escalate appropriately.

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

+ Perform Borrowing Entity PD Ratings and Obligation LGD Ratings.    

+ May   assist   with training and onboarding of new employees

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

SUPERVISORY RESPONSIBILITY:
None   

MINIMUM KNOWLEDGE,   SKILLS   AND ABILITIES

REQUIRED:

+ Bachelor's degree in Business   ( e.g.
Business Administration, Finance, or Accounting)

+ 2+ years of Commercial Banking credit analysis experience , ideally that includes leveraged finance experience.

+ Sound Financial and risk analysis understanding, including the ability to develop financial models

+ Extensive K nowledge of banking products and services

+ Knowledge of corporate business structure and legal documents

+ General knowledge of U.S. government and regulation

+ Proficiency   in internal banking applications

+…