Credit Analyst II
What You Will Be Doing
- Perform credit analysis to evaluate creditworthiness of individuals and businesses.
- Analyze data and evaluate the short and long-run prospects of the individual or business.
- Prepare necessary cash flow analysis to evaluate the ability of the individual and/or borrower to service the requested debt.
- Generate financial ratios to evaluate customer's financial status.
- Provide thorough documentation of all financial analysis work, including ratios and other related information.
- Prepare reports and make recommendations to appropriate personnel on the granting or denying of loans.
- Review individual and commercial customer files to identify and select delinquent accounts for evaluation.
- Prepare written compilation of analysis in the prescribed format for review and presentation.
- Manage and process multiple credit requests of varying degrees of complexity.
- Review, update and evaluate existing loan customer relationships and credit files.
- Assemble, maintain and review credit files to ensure all necessary information is in the file.
- Abide by the current laws and organizational policies and procedures designed and implemented to promote an environment free of harassment and illegal discriminatory behavior.
- Minimum of 3 years experience in commercial underwriting (with a focus on commercial real estate) or a minimum of 5 years banking experience (or related commercial real estate finance experience).
- Bachelor degree in Accounting, Finance, or related field of study.
- Specialized bank lending education/training.
- SBA experience is preferred but not required.
- Intermediate commercial real estate underwriting skills and experience.
- Ability to manage a moderate workload on a consistent basis with limited oversight.
- Developed financial analysis skills.
- Thorough knowledge of current related obligations.
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Seniority level
Associate -
Employment type
Full-time -
Job function
Finance and Sales -
Industries
Staffing and Recruiting
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