Analyst II, Credit Analysis

Responsibilities

• Conduct complete credit underwriting including Independent preparation of loan presentation packets (credit memos) for new credit requests, loan renewals and annual reviews.
• Spread and analyze financial information (e.g. CPA prepared statements, tax returns, internal financial statements, etc.) for borrowers, guarantors and related entities.
• Conduct the appropriate level of guarantor analysis to include credit bureau reports, personal financial statements and tax returns.
• Spread and analyze personal guarantor cash flow and provide global cash flow analysis inclusive of all known contingent liabilities.
• Perform collateral analysis including margin/loan-to-value calculation.
• Determine the appropriate risk rating for credits using the FNNI risk rating matrix and appropriate verbiage to support the assigned rating.
• Process requests in a timely manner to ensure desired service levels and compliance requirements are met.
• Research credit requests including related commitments, background on borrowing entities, analyze industry risks.
• Perform sensitivity analysis on borrowers based on relevant and specific industry and economic variables and assumptions.
• Demonstrate strong working knowledge of all related FNNI computer systems (nCino, Optimist 8, Foundation, etc).

• Previous commercial credit analysis experience
• Bachelor’s degree in Accounting, Finance, Economics, or related field or equivalent work experience
• Strong understanding of financial statements, lending policies, procedures, practices, and documentation including cash flow and collateral analysis
• Ability to adapt and manage multiple deadlines is required
• 1-3 years experience in commercial credit analysis
• Candidates must possess unrestricted work authorization and not require future sponsorship.