The Commercial Credit Analyst II (CCAII) will provide support to the Commercial Lenders with emphasis on financial analysis in determining the creditworthiness of a borrower. The CCAII will have exposure to both private and public companies over a wide variety of industries, cash flow and other types of lending, and direct and syndicated loan opportunities.
ESSENTIAL DUTIES AND RESPONSIBILITIES
Analyze business financial statements and create cash flow models to be utilized in support of new and existing commercial loans, renewal requests, and amendments.
Assist in the preparation of credit evaluation memorandums, annual and quarterly reviews, and accurate and timely risk ratings.
Assist in the ongoing management and monitoring of a commercial loan portfolio.
Prepare quarterly trend analysis with situation updates and risk rating evaluations for assigned borrowers.
Ensure that certain financial statements and compliance certificates are up-to-date.
Maintain in-depth knowledge of the soundness of borrowers and collateral through financial research including evaluating financial statements and analyzing third party data.
Assist in preparation of monthly Bank Board of Directors reports providing a summary of commercial relationships.
May mentor and educate lower level CCAs as needed.
Bachelor's Degree in finance, accounting or another business related field required.
1-3 years' of commercial credit analyst work or related experience required.
Understand and comply with all regulations, including the Community Reinvestment Act, Bank Secrecy Act, Fair Credit Reporting Act, etc.
Intermediate knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.
Use of logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems