Credit Analyst II

SUMMARY

This position is responsible for underwriting, analyzing, and monitoring credit exposure for both new and existing loans. The analyst will prepare credit memorandums, provide financial analysis, and assess credit worthiness of real estate transactions. The role will work closely with the servicing officers and other analysts to support the Commercial Real Estate (CRE) group’s portfolio.

MAJOR DUTIES AND RESPONSIBILITIES (ESSENTIAL FUNCTIONS)

• Prepares comprehensive memorandums for Loan Officers on new and renewal loans within established deadlines, often to be presented to credit committee.
• Analyzes all relevant loan data on new and existing loans, including borrower and guarantor financial statements, tax returns, rent rolls, operating statements, appraisals, and market data.
• Models financial proformas, debt service coverage ratios, and loan-to-value calculations. Conducts market research to support underwriting conclusions.
• Monitors ongoing performance of assigned CRE loan portfolio, including review of borrower financial reporting and property-level performance. Identify early warning signs of credit deterioration.
• Updates credit risk ratings and covenant compliance reports quarterly.
• Supports annual credit reviews, renewals, and modifications.
• Assists in structuring loan terms and covenants in line with bank policies and client needs.

ADDITIONAL DUTIES AND RESONSIBILITIES

• Effectively communicates with Customers, Loan Officers, and Bank Management in a clear, accurate, and concise manner.
• Generates solutions to problems and suggests alternative solutions when necessary.
• Participates in Bank-wide projects with less specific direction and management while being a large contributor in volume and quality, and meeting established deadlines.
• Focuses on memos for relationships ranging from $5,000,000 to $50,000,000.
• Manages a high volume of loan activity through new originations or managing the existing portfolio.
• Creates and maintains solid working relationship with Loan Officers and other team members.
• Assists training and development of Credit Analyst I.
• Ability to adhere to all company policies, core values and procedures.
• Genuine interest in learning and working in the banking profession.
• Dresses professionally.
• Other duties as assigned.

EMPLOYEE SPECIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and Work Experience

• Bachelor’s degree in Finance, Accounting, Economics, Real Estate, or related field required.
• 2–4 years of experience in commercial real estate lending, credit analysis, or banking.
• Possesses specific area of underwriting expertise in one or more areas of lending (e.g. CRE or C&I underwriting).
• Strong proficiency in financial statement analysis, cash flow modeling, and Microsoft Excel. Familiarity with property valuation concepts and real estate market fundamentals.

Technical/Functional Competencies

• Very strong financial analytical abilities, with knowledge of financial ratios.
• Advanced Proficiency in Excel.
• Ability to structure and underwrite larger, more complex transactions.
• Excellent interpersonal, technical, problem solving, and written communication skills needed for preparation of credit memos and analysis of financial statements.
• Demonstrates initiative, judgment/discernment and self motivation to work with minimal supervision.
• Demonstrates resourcefulness and concern for quality by understanding systems and processes and suggesting changes when necessary to increase overall efficiency.
• Demonstrates dependability through good attendance and adherence to time lines and schedules. 

NOTE: This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.

If any applicant is unable to complete an application or respond to a job opening because of a disability, please email us at [email protected] for assistance.