Credit Analyst II

• Independently underwrites and analyzes complex commercial credit relationships, including new requests, renewals, and modifications.
• Prepares loan presentations for loan committee, which includes preparation of loan application, financial statements, cash flow analysis, and risk assessments.
• Evaluates client financial statements, cash flow, and collateral structures.
• Monitors assigned commercial loan portfolios, including financial performance, and risk trends to identify portfolio risks and recommends proactive risk mitigations strategies.
• Partners with commercial lenders on deal structuring, pricing, and exception management.
• Maintains accurate and completes files and documentation and provides updates as needed to business partners.
• Collaborates with Mortgage and Consumer lending to assess and grade commercial and self-employed borrowers.
• Completes and updates various reporting for Loan Committee or Board.
• Reviews work and provides guidance to the Credit Analyst I and II for accuracy, quality, and compliance.
• Performs various other duties as assigned.

• Independently underwrites and analyzes complex commercial credit relationships, including new requests, renewals, and modifications.
• Prepares loan presentations for loan committee, which includes preparation of loan application, financial statements, cash flow analysis, and risk assessments.
• Evaluates client financial statements, cash flow, and collateral structures.
• Monitors assigned commercial loan portfolios, including financial performance, and risk trends to identify portfolio risks and recommends proactive risk mitigations strategies.
• Partners with commercial lenders on deal structuring, pricing, and exception management.
• Maintains accurate and completes files and documentation and provides updates as needed to business partners.
• Collaborates with Mortgage and Consumer lending to assess and grade commercial and self-employed borrowers.
• Completes and updates various reporting for Loan Committee or Board.
• Reviews work and provides guidance to the Credit Analyst I and II for accuracy, quality, and compliance.
• Performs various other duties as assigned.

All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations.