Commercial Credit Analyst III

***Sponsorship not available

JOB RESPONSIBILITIES

Soundly apply the bank's credit culture and credit policies; is considered a policy expert

Use independent judgment and critical thinking in the compilation of key financial data for the accurate representation of credit risk in loan requests including global cash flow analysis, collateral analysis, industry analysis, management analysis, and overall repayment capacity Independently complete underwriting in accordance with current regulations, compliance terms, bank policy, and legal requirements

Accept credit requests directly from borrowers; make initial decision with regard to declination or proceeding in the credit request process

Recommend appropriate risk grade, supporting the grade with risks, mitigants, and strengths Considered a valuable resource for the credit write-up/template and tax return analysis

Proactively assist the Commercial Lenders in portfolio management functions including seeking out and assisting in the annual review process, loan review preparation, and in regulatory examinations; may manage said processes and examinations

Spread financial statements and tax returns and analyze historical performance; review proformas for reasonableness

Develop appropriate loan covenants to provide advance warning of potential credit risk and mitigate losses; develop proper loan structures

Assist in the training of junior analysts as needed; may manage a small group of other credit analysts or related positions

Review and analyze appraisals for market, credit, construction, and economic risks

Understand more complicated loan documents; assist Commercial Lenders in working with outside legal counsel to prepare and execute loan documentation

Participate in customer meetings; independently inspect properties; prepare customer communication on behalf of the Commercial Lender; handle simple loan closings for the Commercial Lender; work with customers in obtaining updated financial statements

Assist Commercial Lenders with presenting loan requests to approvers, Senior Lenders, and Loan Committee as needed; attend and participate in other meetings; may present credit requests on behalf of Commercial Lenders

Obtain, analyze, and incorporate third-party borrower information (e.g., credit reports); research inconsistencies

Maintain data integrity

Prepare pertinent reports, track financial information and receipt thereof

Work with the Commercial Lender on classified assets and reporting thereof

Maintain awareness of and adherence to Bank's compliance requirements and risk management concepts, expectations, policies and procedures and apply them to daily tasks

Deliver a consistent, high level of service within our Serving More standards

Other duties as assigned

COMPETENCIES

Interpersonal/Customer Service Skills

Written and Verbal Communication

Abilitiy to understand and follow directions

Basic Computer Skills

Leadership/Management Skills

Ability to build collaborative relationships

Ability to develop and mentor others

Organizational Skills/Detail Oriented

Analytical Thinking

Problem/Situational Analysis

Technical Expertise

Critical Thinking Skills

Demonstrated knowledge and applied use of financial statements and complex tax returns

PHYSICAL REQUIREMENTS

This position must be able to remain in a stationary position a maximum of 50% of the time, constantly operate a computer up to 50% of the time and be able to be in constant communication with coworkers, customers, or stakeholders to discuss and observe facts and data in order to exchange accurate information.

A flexible work arrangement is available for this role. Scheduled onsite hours are required.