Credit Analyst

About The Role Position Summary

Assists in loan origination and servicing by providing support to commercial lending staff for processing of new loans and managing loan relationships primarily using the bank's LOS (nCino) and completing other required spreadsheets and forms. Analyzes credit data to estimate degree of risk involved in extending credit or lending money to firms or individuals. Provides lending support to Loan Officers and may also assist in the loan support process as needed to ensure timeliness of loan document preparation.

This position requires good customer service skills, a positive attitude, a high level of accuracy, and the ability to work in a team atmosphere. This individual must be a self‑motivator and focused, have a technical capacity, be thorough, communicate proficiently, and hold confidentiality in the highest regard. This is an in‑person position in order to complete the assigned tasks and provide accurate and efficient customer service.

This is not a remote or hybrid position. Examines and evaluates commercial loan applications by performing the following duties.

• Enter nCino Relationships for Borrower(s), Guarantor(s), and entity information with accuracy, consistency, and completeness
• Upload and enter financial statements, tax returns, and interim financials into nCino
• Input spreads of financial statements, tax returns, and other supporting information, on new and renewing loans using the nCino LOS platform
  • Perform comprehensive credit analysis of consumer and/or commercial borrowers, including financial statements, tax returns, cashflow analysis, global debt service coverage, and collateral evaluation
  • Analyze borrower creditworthiness, industry risk, repayment capacity, and guarantor strength in accordance with credit policy and industry standards
  • Identify potential questions & risks to Account Officer's to assist with loan qualification
• Verify accuracy of key ratios and data feeds used in credit analysis
• Work with Account Officer's to obtain and review third party reports such as title commitments, UCC filings, environmental reports, appraisals, flood insurance; must review for accuracy
• Under the Account Officer's or Credit Administrator's guidance, assist in the preparation of loan Credit Authorizations and or Adverse Action process
• Obtain credit reports, as needed, on the business (s) and personal guarantors
• Assist in Annual Term Loan Reviews (ATLR's) including updating financial spreads, cash flow modules, risk ratings, rate shock tests, financial reporting placeholders, collateral inspections, etc.
• Assist Account Officers in contacting bank customers for requesting financial statements and tax returns and any other financial documentation to complete a loan package and/or annual financial reporting covenant requirements
• Ensures the adherence to company policies, procedures and regulatory compliance

• Assist with appraisal ordering process
• Assist with initial underwriting and loan documentation
• Assist with portfolio management related to periodic loan reviews
• Support testing, enhancements, or rollouts of new nCino features or credit workflows
• Assist with gathering information for Monthly and Quarterly Loan Reports, as needed
• Participate in Community Service and Bank-sponsored activities that serve and support the mission and values of Heritage Bank of Nevada
• In addition to Essential duties above, assist with completing the final steps in the loan processing (nCino) in order to move the loan stage to Documentation (ordering and preparing loan closing documents).
• Assist loan documentation generators with Laserpro doc preparation and assist, if necessary and as directed by Loan Support Supervisor and/or Manager, with data input into Laserpro.
• Coordinate with Lending Officer, Processors and Loan Servicing to coordinate loan closing internally or externally (title company/legal).
• Assist lender in preparation of post‑approval closing conditions and creation of memo for post approval changes to loan underwriting
• Other duties as assigned