Credit Analyst – Corporate Underwriting

Job Responsibilities

• Prepare succinct credit approval memos with minimal errors, including company and industry descriptions, key credit risks, historical analysis, base and downside case projection assumptions/rationale and terms and conditions.
• Responsible for understanding and evaluating completed spreads to determine necessary edits working in collaboration with the CCU teamworks to identify and resolve required edits or corrections
• Responsible for running projection models with assumptions provided
• Responsible for completing underwriting process with limited oversight
• Ensure accuracy, integrity, and timeliness of credit data across internal systems and reports
• Take appropriate action to resolve data, documentation, or analysis deficiencies and escape questions to the appropriate level
• Identify emerging risks or negative trends and elevate 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

Requirements

• Bachelor's degree in Business (e.g. Business Administration, Economics, Finance, or Accounting)
• 1+ years of Commercial or Corporate Banking credit analysis experience.
• Sound Financial and risk analysis understanding
• Strong verbal and written communication skills
• Demonstrated strong problem-solving and analytical skills, with the ability to manage and prioritize multiple tasks while maintaining close attention to detail.
• Proficient in all Microsoft Office software

Core Competencies

Demonstrates expertise in credit analysis, including the preparation of credit approval memos, financial modeling, and risk assessment. Proficient in maintaining data integrity and compliance with credit policies while effectively communicating findings and recommendations.

Highest-signal resume keywords

• Credit Analysis
• Financial Modeling
• Risk Assessment
• Microsoft Office Proficiency
• Problem-Solving Skills

ATS Optimization Keywords

Hard Skills

• Credit Approval Memos
• Projection Models
• Underwriting Process
• Borrowing Entity PD Ratings
• Obligation LGD Ratings

Soft Skills

• Verbal Communication
• Written Communication
• Attention to Detail
• Analytical Skills
• Time Management

Industry Keywords

• Commercial Banking
• Corporate Banking
• Credit Policies
• Financial Analysis
• Risk Analysis