Credit Analyst | Portfolio Management

Summary: Assists management in making informed credit decisions by analyzing the credit worthiness of existing and potential borrowers. Prepares and presents elementary and typical commercial and industrial credit requests by performing the following duties:

Essential Duties and Responsibilities

• Performs commercial credit analysis by reviewing items including, but not limited to credit reports, personal and business financial statements and tax returns, appraisals, property inspections and environmental reports to complete loan presentations for approval consideration by the appropriate approval authority.

• Prepares and analyzes spreads of a company's financial statements to determine overall credit strengths and weakness of potential commercial credit customers. Analysis includes, but is not limited to debt-service coverage ratio, current assets ratio, leverage ratios, cash flow analysis, fixed charge coverage and acid test ratio.

• Performs and completes a collateral analysis of all collateral assets including but not limited to accounts receivables, inventory, equipment and real estate. Analysis should include a credit classification of the company's customer base, a detail credit profile of the company's largest customers and delinquent accounts, aging analysis, delinquencies, collections and charge offs. Inventory analysis should include inventory in days and an examination of stale inventory, spoilage, depletion and inventory valuations. Equipment analysis should include a comparison of market value to book value and an assessment of net orderly liquidation values. Real estate collateral analysis should include examination of appraisal and address special and single purpose use facilities and alternative uses.

• Contacts the customer or customer's representative to obtain additional information or explanation detail throughout the underwriting process while coordinating with the Commercial Banker.

• Identifies and assesses various business, industry and market risks to determine and categorize business trends, growth, cyclical nature, seasonality, business cycle and stages and apply findings to credit evaluation.

• Performs business sector analyses to evaluate the health and viability of a company based upon similar businesses and/or competitors.

• Evaluates the overall growth potential of companies through the application of various economic theories.

• Orders underwriting items including, but not limited to audit, TLJ and UCC searches, appraisal, environmental, flood certification, and property inspections from both internal and external sources.

• Approves final funding reconciliation in Vendor Services.

• Records and maintains external vendor order costs in Vendor Services.

• Prepares loan files.

• Completes Special Projects as needed.

BankFinancial is an Equal Opportunity Employer (minorities/females/veterans/individuals with disabilities/sexual orientation/gender identity)

Education/Experience

• Bachelor's degree (B.S.) from four-year college or university, preferably in Finance or Accounting, two years related credit experience, or equivalent combination of education and experience

• At least one year of previous credit analyst experience

• Strong written/verbal communication and technical skills

• Demonstrated ability to recommend sound credit decisions while protecting the assets of the Bank.

• Able to perform detailed trend analysis and demonstrate a clear understanding of corporate structures.

• Understanding of key financial ratios and cash flow, identifying non-cash and non-recuring items

• Ability to analyze credit reports, UCC filings and searches

• Good customer service and organizational skills

• Self-starter and team player