Credit Analyst II

Position Summary

Responsible for the quantitative and qualitative analysis of applicants' requests for commercial loans. The incumbent will assess the character, capacity, capital, collateral, and conditions of loan requests and will prepare the credit proposal packages recommending the appropriate product and loan structure to manage credit risk.

• Analyze customer financial condition.
• Assist with loan packages from the time it enters underwriting until the approval is complete and file is sent to the closing department.
• Make a credit recommendation based on credit findings.
• Assist relationship managers with loan committee presentations.
• Minimize risk by establishing appropriate credit terms and conditions.
• Analyze paying habits of customers who are delinquent in payment of bills and recommends action.
• Provide excellent customer service and develop relationships with internal/external customers, vendors and COI's.
• Participate in department projects and take an active role in cross-functional teams to assist in driving quality improvements, processes, and initiatives.
• Actively participates in and communicates with members of the credit administration and other bank departments.
• Complete loan write-ups for new loans and renewals.
• Order reports such as Credit Bureau reports, appraisals, environmental reports, and D&B's.
• Complete memos for changes in approvals and other pertinent issues.
• Prepare commitment letters for newly approved loans.
• Be a mentor to level 1 credit analysts.

• Participate in process improvement projects.

• Job requires strict attention to details and thoroughness in the completion of job duties.
• Job requires thorough analysis of information and use of logic to address complexity of data and information.

• Bachelor's degree in accounting, finance, business, or related field, or equivalent years of relevant work experience in credit administration.
• Three - five years of experience in a financial institution's commercial loan department.
• Credit trained preferred

• N/A

• Intermediate knowledge of credit underwriting concepts.
• Knowledge of the SBA program preferred
• Fundamental knowledge of accounting, finance, and economic principles.
• Excellent oral and written communication skills.
• Excellent computer skills in a Microsoft Windows environment including proficiency in Microsoft Word, Excel, Outlook and PowerPoint.
• High reasoning skills including the ability to define problems, collect data, establish facts, and draw valid conclusions.
• Ability to read, analyze, and interpret financial statements, collateral, cash flow, projections, personal financial statements, tax returns, and varying balance sheet and income statement ratios.
• Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages. Ability to apply concepts of basic algebra.
• Ability to read, analyze, and interpret legal documents, governmental regulations, and professional publications.
• Ability to effectively present information and respond to inquiries from groups of managers, employees, vendors, government agents, and the general public.
• Ability to write reports and business correspondence.
• Ability to work independently with little supervision.

• Ability to sit for long periods of time up to 75% of work hours.
• Ability to use hands to grasp, handle, or feel.
• Ability to use computer keyboard and system to enter data and process information.
• Ability to talk, hear, and see.
• Ability to use telephone to communicate with customers and employees.
• Ability to use office equipment such as teller scanner, personal computer, telephone, Blackberry, copier, fax machine, adding machine, etc.
• Ability to lift up to 20 lbs. at least 10% of work hours.

• Moderate sound as in business office with office machines, computers and people traffic.

• It is the responsibility of each bank staff member and of management to adhere to policies and procedures designed to implement compliance with the laws and regulations to which the bank is subject. Each…