Use your analytical skills to independently and objectively evaluate the creditworthiness of current and prospective commercial borrowers and external Bank vendors and perform various administrative duties and projects to support the Bank’s ongoing credit and risk administrative functions.?
?Prepare timely and insightful credit analysis applications for a diverse, medium to high complexity and sophisticated portfolio of commercial & industrial, commercial real estate and private banking /? professional services commercial loan customers.? Loan size may range from $100,000 for more straight forward lines of credit to $20 million for more complex credits.? Create thorough and concise analyses of the risks and mitigates of pending commercial loan requests by reviewing and analyzing the borrowers? financial statements, including but not limited to income statements, cash flow statements, balance sheets, tax returns, personal financial statements, real estate and C&I collateral appraisal reports, and environmental assessment reports.
Prepare advanced sensitivity analyses, pro forma cash flows, and assessments of collateral and guarantor financial condition.? Conduct analysis of the market (customers) and industry (competition, suppliers, substitutes, and potential new entrants) and management teams and/?or deal sponsors.? Provide independent recommendations to credit and lending management on whether to approve or renew loans, modify terms of existing loans, maintain or change risk ratings of existing loans, and otherwise suggesting the appropriate credit action.?
Conduct independent and objective annual reviews of existing loans as well as scheduled and unscheduled loan reviews of the existing portfolio.?
?Review approval conditions vis-a-vis the loan documentation for existing loans to ensure integrity of the credit process.?
Evaluate and opine on appraisals and environmental reports as part of the underwriting analysis.
?Assist in the discussions of risk elements at Loan Committees.?
Capture minutes and perform various administration duties for Loan Committees.
Interact with senior committee members in managing the process.
?Help manage the workflow and the pipeline as requested by the Credit Manager and in his/?her absence.?
?Coach and mentor junior staff.
?Actively participate in ongoing training and development through a combination of the Bank’?s formal credit training curriculum, self-study, and self-development.?
Assist with special projects and reporting assignments in Credit Administration.?
Stay current on banking regulations and audit, regulatory and compliance requirements.?
Administrative, Supervision, and Training Responsibilities:
?The Credit Analyst II will train/?coach less experienced analysts, provide a daily advisory role and peer support for other analysts.?
Risk Assessment Level:
?The Credit Analyst II underwrites primarily medium to large sized loans, generally from $100M-20MM.