Credit Review Analyst

Overview

Credit Review Analyst role at Mid First Bank. Independent, ongoing Credit Review of a bank’s loan portfolio is a critical line of defense within a bank’s risk management framework. Through written analysis of loan relationships, assessment of underwriting and appraisal accuracy and reasonableness, and continuous monitoring of the portfolio through meeting participation and analytical reports;
Credit Review can ensure that loan risk ratings are timely and accurate, provide early identification of negative risk trends, and communicate issues and process improvement recommendations to senior & executive management.

• Written, independent analysis of commercial real estate, C&I, and other loan relationships of varying size and complexity.
• Ensure timely risk rating accuracy of relationships reviewed.
• Identify changes in trends or credit risk profiles.
• Provide independent assessment of a relationship’s credit quality, and assumptions made in underwriting and appraisals.
• Provide additional underwriting scenarios or projections using updated assumptions when necessary.
• Understand applicable credit policy, laws, and regulations – opine on the appropriateness of exceptions made to credit policy (along with any mitigating factors).
• Through meeting attendance and credit portfolio reporting, monitor segments of the overall credit portfolio – identifying trends or areas of risk worthy of further review.
• Perform credit review due diligence on potential merger & acquisition loan portfolios.
• Communicate credit trends and recommended process improvements to senior & executive management.

• Bachelor’s degree in finance, accounting, or related business degree with a minimum cumulative GPA of 3.0 (3.25 or higher preferred). Will consider a Bachelor’s degree in a non-business related field with requisite underwriting or credit review experience.
• Minimum 1-3 years’ experience in commercial underwriting, credit review, lending, or related fields.
• Completion of a formal credit training program is a plus, but not required.
• Understand financial ratios, financial analysis, and accounting principles.
• Understand UCC and loan documentation concepts.
• Demonstrated analytical and critical thinking ability.
• Excellent verbal and written communication skills.
• Proficient in Microsoft Word, Excel, Access, and other software products.
• Must reside within a 60 mile radius to be considered.

• Seniority level:
  Entry level
• Employment type:
  
  Full-time
• Job function:
  Finance and Sales
• Industries:
  Banking