Commercial Credit Analyst

Commercial Credit Analyst 

Job Function:  Within a dynamic credit environment, work both independently and closely with CCO, Credit Department Manager and fellow analysts and lenders to evaluate new applications for credit and existing borrowing relationships. The Credit Analyst will complete credit underwriting, cash flow, and tax analysis, while evaluating client risk recommendations, reviewing client accounts, and regulatory and bank rules, regulations and standards. The Credit Analyst will provide comprehensive analytical support relating to due diligence, document processing, and financial/statistical analyses related to transactions, credit approval and ongoing monitoring of completed credit transactions.  Develop, implement and manage efficient and effective credit services for the lending department.  Provide effective underwriting and accurate evaluation of risk, relating to individual commercial and consumer credit borrowers filling an essential role in the loan underwriting and approval process.  Facilitate departmental workflow through development and maintenance of automated tools. 

Essential Duties and Responsibilities: 

• Appropriately spread the more complex financial statements using SageWorks or similar type spreadsheet.  Perform comprehensive and accurate credit analysis on larger, more complex borrowing relationships that incorporates common sense and critical thinking to help determine credit worthiness of credit applicants. 
• Identify risk and trends in borrowers’ performance, portfolio segments, industries, and markets based on the unique and dynamic characteristics of each.    Evaluate and discuss the degree of risk involved in extending credit by performing cash flow analysis of businesses and global cash flow analysis of larger credit relationships.
• Respond to inquiries from lenders and assist in the preparation of credit memos and loan committee presentations in time sensitive situations.  Present analysis findings and recommendations, orally and/or in writing to lenders and managers, especially findings that involve a borrower’s ability to repay.
• Develop and prepare spreadsheets and models to support analysis of new and existing credit relationships. Prepare portfolio wide management reports to assist in risk and loan concentration recognition and management.

• Serve as an effective knowledge resource for those in the Credit Department and others that require assistance in learning foundational credit skills and information.
• Demonstrate proficiency in bank information systems. Suggest, develop and refine effective information gathering and reporting methods that facilitate analysis and relationship management. Work to reconcile credit files and identify variances or discrepancies. Work with loan officers and loan administration to maintain loan files through all phases of the lending process.

• Further enhance a professional network by participating in groups such as RMA and its Young Professionals group.  
• Review legal documents and supporting information for proper perfection.  Record missing components or elements that were not executed as approved, especially those related to perfecting the bank’s security interest.
• Consistently communicate in a professional manner that is constructive and influential.  Build trust through a communication style that reflects a willingness to listen to and consider alternatives, while maintaining an objective and independent perspective.
• Follow established policies and procedures.  Complete other tasks as assigned by manager.   Attend work regularly and consistently to ensure appropriate staffing needs are met within the department and the organization and needs are met in a timely fashion.
• Identify areas of personal performance in which continuing development or additional training is desired or required in order to further enhance professional development.  Attend relevant Country Club Bank internal and external continuing education opportunities, as required. 

Job Qualifications/ Required Skills and Abilities:   

• Minimum of two (2) years prior banking or other relevant experience in commercial lending, loan review, loan operations or regulatory environment with the desire to expand their level of knowledge in a variety of credit related topics. 
• Bachelor’s degree preferred, with emphasis in finance, economics, accounting or a related field. 
• 9 or more hours of completed college level accounting coursework strongly preferred; however, other advanced degrees might be considered suitable alternatives in combination with experience.  
• Good oral and written communication skills, including the demonstrated ability to effectively communicate in the English language (both written and verbal).
• A working knowledge of credit analysis and the overall field of risk assessment as applied to a diversified loan portfolio.  The demonstrated ability to appropriately spread financial statements using SageWorks or similar type spreadsheet. 
• Proficiency in Microsoft applications (primarily Word, Excel, PowerPoint and Access), and general computer, web, and office equipment utilization. 
• The ability to build rapport with a wide ranging audience (e.g. all levels of bank personnel, outside consultants, regulators, etc.).

• Ability to communicate effectively and professionally.

• Capacity and willingness to develop and utilize an appreciation for details and more abstract, big-picture concepts. 
• Strong work ethic and effective time management demonstrated by meeting productivity goals and work-product quality goals through intense and focused effort.