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
Job details are sourced from the employer's original posting.
