Credit Analyst II – REITs, CRE Funds, Capital Call Facilities

Responsibilities

• Responsible for conducting in-depth industry and financial analysis of existing and potential borrowers
• Works more independently but under the guidance and review of lead staff
• Good understanding of loan risk factors
• Researches industry specific information from outside sources, which may include conversation with Borrowers, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the Internet
• Participates in Customer meetings and make direct inquiry for specific Customer information based on prior research, experience and knowledge (may require travel at times)
• Integral part of loan origination process
• Responsible for performing underwriting analysis of Borrower's character, credit worthiness and financial condition
• Supports the lending function by providing analytical support
• Prepares insightful and timely approval memorandums for presentation to appropriate lending and credit authorities
• Thoroughly analyzes financial statements, management profiles, business and product cycles, cash flow ability, collateral, agings, etc. of future and existing Customers to identify trends, measure performance, assess financial strength and develop an assessment of credit risk
• May prepare complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary
• May maintain credit files, monitor data such as updated financial statements and prepare updated analysis memos
• Monitors compliance with regulatory requirements
• Provides written analysis that identifies any deviations from the Company Commercial Loan Policy and becomes familiar with alternative structures in order to reduce credit risk
• Achieves operational performance standards in quality and timeliness

• 4 year degree or equivalent experience
• 2+ years related experience required
• Developed knowledge of credit and financial analysis techniques
• Strong analytical and research skills
• Developed PC skills including demonstrated proficiency and capability in word processing and spreadsheet software
• Ability to multi-task and meet deadlines
• Ability to maintain the confidentiality of credit and Customer information
• Good interpersonal skills and a team orientation

Demonstrates expertise in conducting in-depth financial and credit analysis, with a strong understanding of loan risk factors and compliance with regulatory requirements. Proficient in preparing analytical reports and memorandums to support lending decisions and assess credit risk.