Job Description:
The Credit Analyst will assist with financial analysis and underwriting for Evolve Bank & Trust.
Main Job Tasks and Responsibilities:
- Complete commercial loan analysis and underwriting as assigned.
- Assist the Chief Credit Officer in field implementation of loan policies, procedures & underwriting guidelines.
- Assist Lenders in financial analysis, identification of the primary risk drivers, structuring of the loan, overall assessment of risk and ability to repay.
- Participate in the loan approval process and provide recommendation.
- Assist Loan Operations in solving loan related structure questions.
- Assist with portfolio review & analysis.
- Assist Accounting Department & Loan Operations in the development of monthly lending review & analysis reports (Board Meeting).
- Complete annual reviews for Retail Banking and Physicians Capital.
- Complete vendor management and financial risk reviews.
- Compile requested portfolio metrics for Chief Credit Officer review.
- Utilize and manage the spreading software platform.
- Complete special projects and requests as assigned.
Education and Experience:
- Minimum of one year of experience in commercial credit analysis, preferably at a financial institution or commercial finance organization.
- Bachelors’ degree, preferably in business, economics, finance, or banking with a strong background in accounting and finance.
Key Competencies:
- High attention to detail.
- Able to prioritize and reprioritize work tasks and deliver work product under tight deadlines
- Good verbal and written communication skills.
- Comfortable with conflicting views of others and able to adequately express their point of view.
- Willingness to take ownership of recommendations and balance loan production with the proper risk/reward relationship.
- Able to work well with peers, lenders and superiors.
This 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
- Minimum of one year of experience in commercial credit analysis
- Bachelors' degree in business, economics, finance, or banking
- Strong background in accounting and finance
What We Do
For a hundred years, Evolve Bank & Trust has been dedicated to delivering superior financial services. From our roots in Personal and Business Banking & Lending to our work as pioneers in the Banking-as-a-Service (“BaaS”) provider space, Evolve is recognized as a global leader. Nacha named Evolve a Top 50 ACH Originator, and Tearsheet named Evolve Partner Bank of the Year. Evolve has been voted a Top Workplace every year since 2013 and ranked on Inc. Magazine’s 5000 List of the fastest-growing private companies. Member FDIC. Equal Housing Lender. NMLS# 509256
