Credit Analyst II – Asset Finance

Responsibilities

• Analyzes client's financial performance by comparing it to past performance, projections, and industry standards
• Reviews financial statements, assesses the client's compliance with financial covenants, and renews risk ratings, while recommending changes as warranted
• Assists in the underwriting, credit risk analysis, negotiation, and closing of new transactions or existing transactions, while adhering to all relevant policies and procedures
• Evaluates transaction and relationship risk-adjusted profitability to facilitate the allocation of capital
• Builds projection models for the client (as needed) based on historical performance, industry forecasts, and other due diligence findings
• Analyzes client financial information to assess creditworthiness, identify and mitigate risks, evaluate collateral, and ensure compliance with regulatory requirements and internal credit policies
• Performs ongoing monitoring activities, including analysis of client financial performance and collateral positions, to proactively identify risks and trends
• Supports loan structuring and execution by participating in discussions and assisting with the preparation and completion of loan documentation
• Reviews client requests and credit submissions to ensure accuracy, completeness, and adherence to credit policies and procedures
• Participates in client meetings and portfolio reviews to deepen understanding of the client’s business, management team, and performance, while supporting internal and regulatory use of credit data

• 1+ years of experience in credit analysis, underwriting support, or financial analysis
• Basic understanding of financial statements, cash flow analysis, and credit risk concepts
• Ability to complete routine credit analysis and monitoring tasks with accuracy and timeliness
• Experience preparing or contributing to written financial or credit analysis documentation
• Proficiency in Microsoft Excel and ability to work with financial data, financial modeling and reports
• Bachelor’s degree in finance, Accounting, Economics, Business, or related field
• Working knowledge of financial statements and cash flow analysis and credit risk fundamentals
• Ability to complete routine credit and monitoring analyses independently with guidance on complex items
• Experience preparing written credit analysis for approval and/or monitoring
• Familiarity with commercial lending concepts, credit policy, and loan documentation