Credit Analyst III

Benefits

• Generous Paid Time Off (PTO) in addition to paid federal holidays.
• Student debt employer repayment program.
• 401(k) retirement plan with a 6% match.

The Credit Analyst III collaborates with relationship managers in gathering and evaluating commercial credit related information on current and prospective customers by preparing written reports of analysis which include in-depth analysis of financial statements, historical and projection-based cash flow and ratio analysis, suggested credit structure, general industry analysis and identified risks.

• Reads, reviews, and understands various financial statements including tax returns, balance sheets, profit and loss statements, agings, borrowing base certificates, debt schedules, equipment lists, credit bureau reports, rent rolls, lease agreements, and appraisals.
• Prepares financial spreads for various types of commercial and real estate businesses, municipalities, non-profits, and individuals acting as direct obligation borrowers or guarantors.
• Analyzes credit worthiness of commercial applicants and guarantors by reviewing loan applications, spreading historical and projected financial statements, calculating cash flows, leverage, and liquidity ratios, evaluating collateral, conducting research on the borrower(s) and key industries, and identifying risks.
• Analyzes findings and authorises a comprehensive report of analysis using data analysis (charts, formulas, graphs) and written narrative.
• Evaluates credit quality and suggests proper risk rating based on analysis of the most recent financial information.
• Possesses proficiency relative to credit transactions and analytical skills sufficient to enable independent underwriting of commercial requests with limited guidance from immediate manager.
• Ensures compliance to applicable regulations and keeps up-to-date with changes in federal regulations and FIB credit policy requirements.
• Assists the Relationship Manager in the preparation of reports for quarterly monitoring of classified and criticized commercial relationships.
• Completes financial performance metric covenant testing utilizing prepared financial spreads.
• Manages portfolio assignments and participates in a quality control program that provides monthly review of general forms, spreads, and analysis with provision of feedback and mentoring.
• Participates in the production and development of training materials and assists with the delivery of training through various channels.
• Participates in a mentorship program with lower-level analysts to assist in guidance and overall development of credit acumen.
• Acts as a resource for Relationship Managers and other analysts for questions relating to loan policy, loan structuring, and underwriting recommendations.

• Strong organization and time management skills.
• Excellent written and verbal communication skills.
• Ability to develop and maintain internal and external relationships with individuals such as Relationship Managers, Credit Officers, and Risk Management Personnel.
• Ability to work in a fast-paced environment, set priorities, and meet strict deadlines with flexibility to adapt to changing priorities.
• Self‑motivated with the ability to assist with credit risk decisions.
• Strong analytical and problem-solving skills with an attention to detail.
• Proficient with Microsoft Office Suite (Word, Excel, Outlook, PowerPoint) and able to acclimate quickly to other programs.
• Ability to prioritize and work with others in an integrated way to achieve individual objectives and team results with flexibility to adapt to changing volumes, requirements, and areas of focus.

• Bachelor's Degree in Business, Finance, or related field.
• 7-9 years of banking experience and/or equivalent combination of education and experience.
• 4-6 years experience in a similar position.
• Experience with financial spread software.
• Commercial banking experience preferred.

• Dexterity of hands/fingers to operate computer keyboard and mouse.
• Frequently lifting occasionally up to 10 lbs.
• Sitting frequently.
• Noise level moderate.
• Typical work hours:
  Monday–Friday, 8a.m.–5p.m.
• Regular…