Commercial Credit Analyst I

Base Compensation Range

Base salary is one component of total compensation. Employees may also be eligible for an annual bonus and some roles may also be eligible for overtime pay. The above represents the expected base compensation range for this job requisition. Ultimately, in determining pay, we consider various factors including, but not limited to, skills and experience

POSITION SUMMARY: Performs credit analysis to evaluate the credit risk and loan quality of existing borrowers in the Commercial Banking Group. Under the supervision of the Commercial Credit Department Manager or Commercial Credit Director analyzes financial statements, develops and analyzes cash flow information and prepares comprehensive credit summaries. Collaborates with business lending officers in the decision process.

PRINCIPAL RESPONSIBILITIES

• Accurately spreads financial information on existing borrowers.
• Analyzes business financial statements as well as tax returns and cash flow statements to determine profitability, capital adequacy, liquidity, asset quality and the ability to repay obligations.
• Performs personal cash flow analyses and personal financial statement analyses on individuals to determine liquidity, availability of assets, and overall financial strength and repayment capacity.
• Performs comprehensive credit analyses focusing on the Bank’s borrowers. Recognizes and assesses pertinent risks and identifies the impact of financial, non-financial and external factors, ranging from management issues to general economic and industry conditions.
• Reviews loan quality rating for accuracy, determines changes in risk and makes recommendations.
• Interacts with appraisers to review market values, rental rates, vacancy rates and capitalization rates.
• Reviews loan files to ensure the completeness and that all collateral has been secured properly.
• Accompanies commercial banking officers on calls to existing borrowers to assist in the financial analysis and pre...