Credit Product Analyst II

SUMMARY: Prepares spreads and other preliminary financial analysis. May support in renewal and annual reviews of existing loans in the C&I Specialty. Ensures credit quality is maintained through identification of key risk factors associated with each loan and determines if those factors are mitigated; analyzes the viability of the repayment sources; assesses the appropriateness of the current loan grade; and reviews the prior and conditional approval and all loan documents to ensure the borrowers' compliance with the terms of the loan.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties and special projects may be assigned.

• Works closely with the managers and officers of the supported line of business production units (Corporate Lending, Specialty Lending, Commercial Lending, CRE, Bridge Funding, etc.) to determine on-going priorities for loans under analysis. Makes modifications to priorities as appropriate with the input of their supervisor.

• Maintains an up to date pipeline which details the status of all loans under analysis.

• Prepares credit analysis reports with complexity being comparable to their level of experience from simple transactions (for CPA I) to the largest and most complex lending relationships in the bank (for CPA III). This includes recommendations as to modified structure or collateral, and if warranted, recommending that the loan not be renewed or downgraded.

• Determines key risk factors for assigned loans and whether or not these are appropriately mitigated.

• Prepares financial statement spreads for officers in supported units to help them evaluate credit proposals in their early stage.

• Ensures compliance with Sarbanes-Oxley related matters.

• Participates in, and may have leadership roles in, ad hoc project assignments as made by the Director of Credit Products, Senior Credit Products Manager, or Credit Products Manager.

• SENIOR LEVEL RESPONSIBILITIES: Assists in the training and development of Credit Products Analyst trainees. Will be assigned loans of the highest complexity. May have leadership role is ad hoc project assignments.

• Adheres to and complies with applicable, federal and state laws, regulations and guidance, including those related to anti-money laundering (i.e. Bank Secrecy Act, US PATRIOT Act, etc.).

• Adheres to Bank policies and procedures and completes required training.

• Identifies and reports suspicious activity.

EDUCATION

Bachelor's Degree in business related field, or other acceptable alternative field preferred.

EXPERIENCE

• Served as a credit analyst required

• Involved in the analysis of complex credits in both corporate lending and commercial real estate, in order to progress to the next Credit Product Analyst level.

KNOWLEDGE, SKILLS AND ABILITIES

• Must have good accounting skills developed through formal college undergraduate courses (through intermediate accounting) or through acceptable alternative means such as AIB.

• Have demonstrated good credit judgment.

CERTIFICATES, LICENSES, REGISTRATIONS

• Formal Credit Training required