RESPONSIBILITIES
- 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
- Recommend appropriate risk grade; supporting the grade with risks, mitigants, and strengths
- Serve as a valuable resource for credit write-up 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 regulatory examinations. May manage said processes and examinations.
- Accurately spread financial statements and tax returns and analyze historical performance. Review proformas for reasonableness.
- Develop and measure appropriate loan structures and covenants to provide advance warning of potential credit risk and mitigate losses. Prepare pertinent reports, track financial information and receipt thereof.
- Review and analyze appraisals, as well as other industry reports, for market, credit, construction, and economic risks
- Possess a thorough understanding of loan documents
- Participate in customer meetings, prepare customer communication on behalf of 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, costar, RMA). Research inconsistencies.
- Maintain data integrity
- Work with the Commercial Lenders on classified assets and reporting thereof
- Assist in the training of new analysts as needed
- Maintain ownership of all accepted tasks
- Take a proactive approach to learning and career development
- Soundly apply the bank’s credit culture and credit policies; is considered a policy expert
- 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
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
- Perform independent commercial loan underwriting in accordance with regulations and bank policy
- Compile and analyze financial statements, tax returns, and global cash flow
- Recommend and support risk grades with documented risks, mitigants, and strengths
- Develop loan structures and covenants and monitor for credit risk mitigation
- Review and analyze appraisals and industry reports for market, credit, and construction risks
- Thorough understanding of loan documents and legal requirements
- Use third-party borrower information sources (e.g., credit reports, CoStar, RMA) and research inconsistencies
- Prepare credit write-ups, present loan requests, and participate in loan committee/approver meetings
- Support portfolio management functions, annual reviews, loan review preparation, and regulatory examinations
- Maintain data integrity and adhere to bank compliance and credit policies
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.
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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.
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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.
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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
