COMMERCIAL CREDIT ANALYST II

Job Description
Exempt

KNOWLEDGE AND SKILLS

• High school or General Education Diploma required
  · Bachelor’s degree in Accounting, Finance, or related field is preferred

· Three to five years of similar or related experience is preferred

• Experience in a professional, service focused and fast-paced environment

· Strong analytical, verbal and written communication skills.
· Work involves contact with other business partners inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation.
· Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.
· Ability to perform multiple tasks and remain calm and positive in a busy and challenging environment.
· The ability to perform analysis of commercial loan requests and summarize multiple facts and details and the ability to draw and support sound conclusions
· Thorough understanding of global cash flow and underwriting criteria.
· Experience with Sageworks LOS preferred.
· Proficient in Microsoft Office Products is required.

PHYSICAL REQUIREMENTS

• Use of standard office equipment (telephone, copier, fax, personal computer and so on) is required on a daily basis.
• Work requires the use of a video display terminal (VDT) and application of manual
• dexterity and eye-hand coordination (basic keyboarding).
• Occasional lifting and moving of moderately heavy objects
• May be seated for extended periods of time

PRIMARY PURPOSE OF POSITION

The Commercial Credit Analyst II is responsible for providing insightful and timely credit analysis of prospective and current borrowers, including interpretation of financial statements, collateral and cash flows.
Duties and Responsibilities
· Underwrite new commercial loan requests and render decisions in adherence with lending policy.
· Prepare credit presentations as part of the loan decision-making process.
· Spread, review and analyze updated financial statements and supporting documentation on existing commercial and new commercial loans.
· Review documents for general interpretation (correspondence & memos), as well as analytical purposes (appraisals and technical reports).
· Work closely with commercial lenders to ensure open communication regarding the customer and to ensure accurate file documentation
· Discuss any perceived credit weaknesses or potential credit problems with the Lender, Credit Union partner, Senior Credit Analyst and or Senior Credit and Operations Manager.
· Assures conformity to regulatory guidelines and company policies, indentifies policy exceptions and recommends appropriate risk ratings
· Responsible for coaching and mentoring loan officers and Credit Union partners around delivering credit solutions.
· As assigned provides training support to junior analysts and trainees

· Promotes the Business Lending Solutions Brand by recommending our products and services, supporting our community focus and commitment to being a premier employer

• Understands, supports and adheres to applicable organizational policies/procedures and state/federal regulations
• Consistently emphasizes the importance of teamwork in the department and company at large
• Responsible for keeping abreast of company news and information
• Responsible for completing required training and policy review
• May serve on various committees
• Willingness to take on additional tasks and duties as needed