Description
John Marshall Bank is looking for an experienced Credit Analyst to join our Credit Underwriting team in our Reston Headquarters.
In this role you will:
- Oversee the review of financial, collateral, and other related documentation used to evaluate commercial loan requests to approve or deny applications for credit.
- Participate in credit approval process; monitors adherence to loan policy, ensures accuracy of risk rating system, ensures effective evaluation and administration of collateral.
- Be responsible for the completion of financial spreads and analysis; credit approval and memo review for loan presentations in conjunction with Commercial Bankers, all in an independent and objective manner.
- Maintain a continuing and informative record of data from which lending officers may make fully informed loan decisions.
- Spread and analyze, historical and projected financial statements, tax returns, and other pertinent financial information to determine overall financial performance, condition, and creditworthiness of Borrower and other obligors.
- Review credit files for documentation and exceptions.
- Submit periodic exception reports.
- Engage in effective and timely communication regarding credit considerations and issues with Credit Administration and Commercial Bankers.
- In addition to handling the normal flow of transactions, may also be assigned to handle complex transactions.
Requirements
Required:
- At least 2 years experience in commercial credit analysis, underwriting, and/or a formal credit training program
- Bachelor’s Degree in accounting or finance or related field from an accredited four-year college or university
- Sound credit and analytical skills
- Solid understanding of balance sheets, income, and cash flow statements
- Proficiency with Microsoft Suite including Word and Excel
Preferred:
- Ability to learn internal bank systems and additional software applications
- Advanced knowledge of commercial real estate, commercial and industrial, general business, asset-based, and real estate construction loans within respective economic market areas
- Strong combination of interpersonal communication skills, analytical and decision-making skills, with the ability to make recommendations and offer solutions
Compensation for this role ranges from $85,000.00 to $115,000.00 annually, commensurate with your experience and qualifications.
At John Marshall Bank, we pride ourselves on being able to attract the best talent in the industry, therefore we offer a comprehensive benefits package which includes:
- Medical
- Dental
- 401K Retirement Plan w/ an Employer Match
- Vision
- Employee Assistance Program
- Flexible Spending
- Transit Reimbursement
- Long Term Care
- Paid Time Off
- Life and Disability Coverage
John Marshall Bank is an Equal Opportunity Employer
At this time, John Marshall Bank will not sponsor a new applicant for employment authorization for this position.
Skills Required
- At least 2 years experience in commercial credit analysis, underwriting, and/or a formal credit training program
- Bachelor's Degree in accounting or finance or related field from an accredited four-year college or university
- Sound credit and analytical skills
- Solid understanding of balance sheets, income, and cash flow statements
- Proficiency with Microsoft Suite including Word and Excel
- Ability to learn internal bank systems and additional software applications
- Advanced knowledge of commercial real estate, commercial and industrial, general business, asset-based, and real estate construction loans
- Strong interpersonal communication, analytical and decision-making skills with ability to make recommendations and offer solutions
What We Do
John Marshall Bank is a commercially focused community bank headquartered in Reston, Virginia, serving local businesses and professionals in the Washington, D.C. Metropolitan area. The bank provides a comprehensive line of sophisticated banking products and services, emphasizing a relationship-centered approach. It specializes in various niche industries, including commercial real estate, health services, property management, and government contracting.
