Credit Analyst III - C&I

POSITION OVERVIEW

This position is responsible for detailed research and credit analysis of complex credit requests in Commercial Credit Underwriting – C&I Regional Department. The incumbent is expected to have comprehensive knowledge of credit & risk analysis, credit rules, structuring of credits, regulations and documentation with the ability to exercise independent judgment within established Underwriting Guidelines and Credit Policy. At this level, the incumbent works closely with Commercial Loan Officers on customer calls, assists in training less experienced staff members, and handles more complex and/or challenging assignments (e.g., larger deals or complicated requests with larger relationship exposure under Market and Lending Leadership Approval Authority – Level 6 & 7 or below).

• Prepare loan approvals, annual reviews and conduct credit analysis for new requests, as well as modifications and short‑term extensions of existing loans.
• Prepare and spread business financial statements and cash flows, and personal financial statements and cash flow for personal guarantors. Verify covenant compliance and conduct analysis on accounts receivable and accounts payable aging reports, work‑in‑progress reports, and borrowing base certificates.
• Accompany Commercial Loan Officers on customer and prospect calls. Participate in discussions with management regarding creditworthiness of proposed loan requests.
• Conduct third‑party research, including industry reports, personal credit reports, real‑estate analysis with market assessments, etc.
• Prepare reports and handle special assignments as warranted.
• Subject to business needs, may have supervisory and mentorship responsibilities for junior Credit Analysts.

• Bachelor’s degree in Finance, Accounting or Economics.
• Minimum 5 years in Commercial credit underwriting.
• Thorough knowledge of underwriting, credit analysis and commercial loan structure.
• Strong analytical skills with ability to identify strengths and mitigate risks.
• Knowledge of commercial real‑estate lending (investment and owner‑occupied).
• Proficient in Commercial & Industrial lending including debt service coverage, cash flow, A/R, A/P, WIP, and borrowing base certificates.
• Strong computer skills, including experience with loan origination software and MS Office applications (specifically MS Word and Excel).
• Ability to prioritize multiple projects and complete them on time.
• Ability to conduct meetings, meet with customers, effectively present information and respond to questions from peers, auditors and various levels of management.
• Sound comprehension of accounting practices, including balance sheets, income statements, equity reconciliation, and cash flows.
• Credit‑underwriting confidence for the ability to mentor and train Credit Analyst I & II.

• MBA

Work is mainly performed in a normal office environment. Noise levels are usually moderate.

• Prolonged sitting.
• Lifting from 5 to 10 lbs. (printer paper, storage boxes).
• Occasional bending or overhead lifting (storing files or boxes).
• The hazards are mainly those present in a normal office setting.

This job description may not be all-inclusive. Employees are expected to perform other duties as assigned and directed by management. Job descriptions and duties may be modified when deemed appropriate by management.

We are an equal‑opportunity employer, and all qualified applicants will receive consideration for employment without regard to age 40 and over, color, disability, gender identity, genetic information, military or veteran status, national origin, race, religion, sex, sexual orientation or any other applicable status protected by state or local law.

$77,000 – $110,000 annually

Please note that the base pay actually offered may vary based upon the candidate's skills and experience, job‑related knowledge, education, geographic location, internal equity, and other applicable business and organizational needs.

This role is incentive eligible based upon company, business, and/or individual goal achievement and performance.

Team members accrue paid time‑off (PTO), receive holiday (PTO) and are eligible to participate in the bank’s Health and Wellness benefits including medical, dental and vision plans, flexible and health savings accounts, and a 401(k) retirement plan. In addition, the company provides disability insurance, an employee assistance program, and basic life insurance. Company‑sponsored tuition disbursement and loan repayment programs are also available.

Voluntary benefits include supplemental life insurance, accident, critical illness, hospital indemnity and legal plans.

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