Credit Analyst III

• Completes customer due diligence and analyzes borrower’s industry and company financial information with limited oversight.
• Prepares spreads, written analysis and underwriting documents providing a comprehensive financial analysis of the borrower and guarantor’s financial condition documenting repayment capacity, including industry comparisons, economic factors and projections.
• Utilizes enhanced cash flows, leverage ratios and can complete analysis on complex borrower structures when necessary.
• Joins credit officers and commercial banking officers on client and prospect calls in multiple markets.
• Analyst may assist Credit Team Leader in providing trainings to junior analysts.
• Analyst may complete or captain special projects if needed.
• Analyst will complete annual reviews with the largest exposures and complexity levels to maintain asset quality.

• Bachelor’s Degree with a degree in accounting or finance preferred.
• Equivalent education and 3-4+ years as a Commercial Credit Analyst or comparable experience are also acceptable.
• RMA Courses such as (not limited to) Analyzing Business Tax Returns, Analyzing Personal Finance Statement and Tax Returns, Cash Flow Analysis – UCA Fundamentals, Commercial Real Estate Lending, Accounting and Ratio Analysis, The Business of Commercial Banking, Ethics and Decision Making, Borrower Analysis:
  Qualitative Factors, Balance Sheet Analysis, Income Statement Analysis, Combined Balance Sheet and Income Statement Analysis or other trainings through American Institute of Banking are a plus.
• Leadership programs for coaching, mentoring, self awareness, etc. RMA or Credit Risk certifications and/or Sales Training Established Individual Development Plan.

Below are skills and terms extracted directly from this job posting to improve Applicant Tracking System (ATS) visibility. This unique feature helps candidates tailor their applications more effectively — a feature exclusive to Job Tailor job listings.

• Financial Analysis
• Cash Flow Analysis
• Leverage Ratios
• Underwriting Documentation
• Borrower Assessment
• Industry Comparisons
• Economic Projections
• Balance Sheet Analysis
• Income Statement Analysis
• Complex Borrower Structures

• Leadership
• Coaching
• Mentoring
• Communication
• Self Awareness

• RMA Certification
• Credit Risk Certification