Commercial Credit Analyst-Corporate Fl

Corporate Banking - Credit Analyst II

Position Summary:

The Corporate Banking Credit Analyst primarily focuses on credit analysis, underwriting and ongoing review of the following types of loans:
Corporate, Middle Market, Project Finance, and Commercial Real Estate. The analyst works as a team player, communicating and collaborating with Lending Officers, Credit Officers, and Committee members to achieve an outstanding level of customer service in accordance with the Bank’s standards and competencies.

• Responsible for the underwriting and credit analysis of Corporate, Middle Market, Project Finance, and Commercial Real Estate loans to determine feasibility and credit risk of granting loans.
• Prepares Green Light and Credit Approval Memorandums (CAM’s) for presentation to applicable approval authority committees. CAMs cover existing loans, new potential loans, annual reviews, waivers, amendments, and other required items.
• Underwrites and analyzes loans by evaluating and reviewing loan information, including financial statements, financial models, lender presentations/decks, public filings, data rooms, diligence reports, appraisal reports, and other related documentation.
• Ensures that the loan package complies with credit, underwriting standards and lending/credit policies.
• Proactively anticipates questions/topics that credit committee members will focus on, addresses those topics with the Relationship Manager, and prepares to discuss them at committee meetings if needed.
• Presents the loan file to the Corporate Banking Department and Credit Department for discussion and conclusion, including department recommendations to Management and/or credit committee. Informs all relevant parties of any material risk factor, discrepancy or deviation discovered during the preparation and review of the CAM, its underwriting, credit analysis and due diligence.
• Maintains continuous contact with RM’s, Agent Bank and customers as needed to provide information on transaction status, resolve discrepancies and issues.
• Assists the Corporate Banking Department concerning loan policies and procedures, quality control matters, loan review, and underwriting.
• Assists in preparing Corporate Banking presentations.
• Assists in monitoring the financial performance of the portfolio, completing waivers and amendments, assisting with quarterly and other reporting. Participates in Corporate Banking pipeline meetings.
• Participates in the sourcing of new deals received from banks or customers.
• Manages to meet internal and client deadlines.

• Customer focus
• Quality
• Building strong relations
• Communication
• Business acumen
• Problem analysis & solution
• Ownership, Vision & values
• Collaboration & teamwork
• Development (personal & others)
• Change & innovation

This position has no supervisory responsibilities.

• Work is performed in a bank environment. Employees may be exposed to external elements when representing the corporation at external events and may be required to work extended hours, including holidays, if these coincide with company events.

The physical demands described here are representative of those that must be met to successfully perform the essential functions of this job.

• Regularly required to sit, stand, walk, and maneuver around the office.
• Ability to lift and/or move up to 10 pounds.

• Minimum of two years in a banking environment and/or credit field.
• Strong knowledge of Microsoft Office Suite and proficiency at typing.
• Understanding of financial information and loan documentation.
• Must be able to work a flexible working schedule.
• Good communication skills and attention to detail.

Bachelor’s degree in Finance, Business Administration or related field.

Please note this position profile is not designed to cover or include a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

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