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
- Ability to understand and follow directions
- Adaptable to change
- Basic Computer Skills
- Organizational Skills/Detail Oriented
- Analytical Thinking
- Problem/Situation Analysis
- Technical Expertise
- Ability to build collaborative relationships
- Ability to develop or mentor others
- Ability to work as part of a team
SCHEDULE
Typical office hours are M-F 8a-5p. This position is exempt and full-time. A minimum 40 hours is required per week. Additional time may be necessary based on customer and bank needs.
This position is eligible for a flexible work arrangement with opportunity to work both in office and remotely.
EDUCATION - CERTIFICATIONS - WORK EXPERIENCE
Bachelor's degree in a business field, preferably finance or accounting. Other concentrations will be considered with at least five years relevant experience required
TRAVEL REQUIREMENTS
Travel to customers and prospects is expected
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.
Equal Opportunity EmployerThis employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
Skills Required
- Bachelor's degree in a business field
- Concentration in finance or accounting
- At least five years relevant experience
- Experience in commercial credit analysis and underwriting (cash flow, collateral, tax return analysis)
- Basic computer skills
- Strong written and verbal communication skills
- Ability to travel to customers and prospects
- Ability to operate a computer up to 50% of the time and remain stationary up to 50% of the time
- Ability to develop/mentor others or manage a small group of analysts
Park National Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Park National Bank and has not been reviewed or approved by Park National Bank.
-
Retirement Support — A two-track retirement program combines an employer-funded pension with a matched stock ownership plan, an uncommon design that enhances long-term security. Plan materials highlight employer-paid pension credits alongside matching contributions to the KSOP.
-
Healthcare Strength — Health coverage offers multiple medical options with the employer bearing most premium costs, plus dental and vision, and preventive care fully covered. This breadth positions core health benefits as a meaningful component of total rewards.
-
Leave & Time Off Breadth — Paid time off includes vacation that scales with service, a robust holiday schedule, and paid leaves for childbirth, parental caregiving, and military duty. Long-term disability coverage is included for full-time associates.
Park National Bank Insights
What We Do
Banking is about relationships more than money. We’re a family of successful community banking teams led by strong, local leadership. We connect the convenience and resources of a national bank with hands-on, personalized service. Our commitment to serving with integrity and reliability has led to relationships that last generations. Our size and strength give customers flexible, banking options and convenience with extensive branch and ATM coverage. A wide variety of secure digital services help people manage their money anytime, anywhere. We want customers to bank the way they want and benefit from accounts that work for them. Whether it’s a home or vehicle loan, business loan or line of credit, our customer’s financial goals are our priority. At our core, we’re a community bank. From personal connections to large-scale partnerships, we work hand-in-hand to positively impact our communities, one customer at a time. THE ASSOCIATE EXPERIENCE: At Park, banking is about more than money, and your job is more than the work you do. Experience a career that ignites your passion to serve, unlocks your potential to grow and fuels the life you want to build for yourself and those you love. This is the official page for Park National Bank, headquartered in Newark, OH. Member FDIC. Equal Housing Lender
