Commercial Credit Analyst at People's Bank of Commerce

Medford, Oregon, United States -

Full Time

Start Date

Immediate

Expiry Date

06 Jul, 26

Salary

0.0

Posted On

07 Apr, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Financial credit underwriting, Financial statement analysis, Cash flow modeling, Ratio analysis, Margin analysis, Regulatory compliance, Written communication, Oral communication, Organizational skills, Interpersonal skills, Microsoft Word, Excel, Ten-key calculator, Risk assessment, Loan covenant monitoring

Industry

Financial Services

Description

Description Established in 1998 in Medford, Oregon, People’s Bank of Commerce was formed to provide a community business bank for the southern Oregon area. Since its inception, People's Bank has been providing its customers with superior, responsive and flexible service with a friendly approach. Through conservative solid banking fundamentals and doing right by its customers, employees and community, People's Bank has earned the esteemed reputation as one of the top community banks in Oregon. We strive to provide a better experience to our customers and a better career experience for our employees. We recognize that our employees are the messenger of our vision and values and are key to our success. We offer a competitive benefits package including salary commensurate with experience, 401k, 401k employer contributions, as well as health, dental, vision and life insurance coverage. The Credit Analyst assists commercial lenders in credit analysis and credit approval packages. Perform analysis of financial statements and cash flows interpreting all types of credit and financial information in support of efforts to minimize risk and potential loss. Credit Analyst may assist lenders in preparing presentation materials for new and additional credit proposals. May help track credit package completion. Provide other tasks and responsibilities to support Sr. Credit Analyst and Credit Administration as assigned. Note: This entry level position in credit may serve as a foundation for possible entry into other commercial lending positions as the Bank’s needs for such positions become apparent. Reports to: Sr. Commercial Credit Analyst Supervises: None Requirements Duties and Responsibilities: Provide excellent internal customer service, representing oneself in a courteous, friendly, and professional manner. Maintain knowledge of procedures and compliance requirements to ensure bank compliance in your areas of responsibility. Spread financial data and prepare cash flow models on business entities and individual(s)/guarantor(s) using bank software programs. Balance and certify borrower information, financial data and tax spreads for accuracy and completeness. Assist Loan Officer in interpretation of financial data, including ratio analysis, cash flow and margin analysis. Prepare written historical analysis for business entities and current financial status on individual borrower(s)/guarantors(s). Communicate with Loan Officers any credit challenges discovered as part of the financial analysis process and how it may affect credit decision and or existing relationship with borrowers. Identify and communicate with Loan Officer any cross-selling opportunities. Update spreads and cash flow upon receipt of new financials. Identify and address credit policy and procedure exceptions in the underwriting process. Assist loan officers with monitoring financial loan covenants for compliance. Assist with completion of formal annual reviews on designated commercial loans. Complete required compliance training within established time frames. Attend meetings as requested. Perform other duties as assigned. Skills and Abilities required: Financial credit underwriting skills, knowledgeable about regulatory and compliance laws and procedures. Excellent communication (written and oral) and organizational skills. Strong interpersonal skills and ability to develop rapport with people. Ability to work within a team environment. Ability to work independently and demonstrate attention to detail. Willingness to support commercial production efforts to achieve bank growth goals. Ability to manage multiple priorities and deadlines. Education, Training, and Experience: College degree in accounting, finance or business management or related field preferred; will consider successful completion of high school diploma or GED combined with commensurate work experience. Requires a minimum of 3 years’ experience in the financial industry with demonstrated aptitude for interpreting and understanding financial and accounting information. Computer knowledge of Microsoft Word and strong familiarity with Excel plus ten-key calculator. The above statements are intended to describe the general nature and level or work to be performed. They are not intended to be an all-inclusive listing of all responsibilities, duties and skills required for this position. These job requirements are subject to change to reasonably accommodate qualified disabled individuals. Those selected must be able to provide proof of legal right to work in this country. Hiring will be subject to criminal history background check, credit check, drug screen and references. People's Bank of Commerce is an Equal Opportunity Employer of minorities, women, protected veterans, and individuals with disabilities. If you are an individual with a disability and require reasonable accommodation to complete all or part of the application process, please call 541-491-8928 or email hr@peoplesbank.bank.

Responsibilities

The Credit Analyst assists commercial lenders by performing financial statement analysis, cash flow modeling, and preparing credit approval packages. They also monitor loan covenants and support the credit administration team in minimizing risk.