Commercial Credit Analyst II

Stifel Nicolaus Saint Louis , MO 63150

Posted 2 weeks ago

SUMMARY

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.

QUALIFICATIONS

  • 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

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Commercial Credit Analyst II

Stifel Nicolaus