Commercial Credit Analyst - Bank

You’re a natural problem-solver, someone who enjoys digging into details, spotting trends, and finding clarity in complexity. At C&F, you’ll use your curiosity and analytical skills to guide sound business decisions that make a real impact.

As a Credit Analyst, you’ll evaluate financial data, assess risk, and help structure loans that meet the needs of our clients while protecting the strength of the bank. You’ll partner closely with Relationship Managers, provide insights on creditworthiness, and contribute to strategies that help local businesses grow and communities thrive.

Our ideal candidate is inquisitive, disciplined, and thorough. You enjoy exploring data as much as drawing conclusions from it. You’re confident communicating your findings and take pride in offering perspectives that help others see the full picture.

At C&F, you’ll find a culture that values precision, collaboration, and growth. You’ll be surrounded by colleagues who share your dedication to integrity and excellence, and you’ll have opportunities to keep learning every step of the way.

Functional Area of Focus:

Commercial Underwriting and Analysis

Special projects and other duties as assigned

Underwriting and Risk Management (30%)

• Partner with Relationship Manager(s) and provide guidance on relevant questions to be asked of the prospective client, provides guidance on financial information to request from the client to underwrite the prospective transaction, and provides guidance and initial thoughts on structuring, utilizing Commercial Credit Analyst Manager and Underwriter as appropriate
• Analyze financial information that is required for prudent loan approval and risk management practices
• Evaluate adequacy of loan structure and makes appropriate loan structuring recommendations; such recommendations may include, but are not limited to, loan term, loan amortization, loan pricing, and loan covenants
• Provides direction and feedback to Commercial Support Specialist(s) and Relationship Manager(s) on proper workflow procedures and adherence to Bank credit policy

Credit Analysis (30%)

• Research borrower industry and market conditions (eMentor, Costar, etc.)
• Analyze borrower and any related entity financial statements
• Analyze guarantor/personal tax returns and financial statements
• Perform complete and accurate cash flow and debt service analysis to include business and global cash flow debt service coverage ratios
• Analyze collateral securing loan request, performing an independent analysis of collateral being offered and whether collateral conforms to Bank guidelines
• Present findings to appropriate loan approval body when necessary
• Develops appropriate questions resulting from credit analysis and provides such questions to the RM in an effort to complete a full underwriting

Credit Request Management (30%)

• Create Credit Request Memo used for credit presentation
• Develop Term Sheets for prospective credit requests as appropriate; prepares all Commercial Appraisal Requests, submitting such requests to Credit Administration for appraisal ordering
• Creates PowerPoint slides for credit presentation (when applicable)

Special Projects/Other (10%)

• Assist and participate in both client and prospect business development call preparation at the direction of the Relationship Manager and Credit Analyst Manager
• Assist with special projects and other duties as assigned
• Assists with other duties as assigned

Knowledge:

Must be able to demonstrate knowledge of loan structuring, covenants, and closing conditions as well as a proficiency in term sheet preparation and collateral perfection. Must possess a clear and demonstrable knowledge of C&I, Commercial Real Estate, and Acquisition, Development, and Construction (AD&C)…