Job Description
Job Description
Location : Onsite for 3-6 months to start, then hybrid
The Commercial Credit Analyst will primarily prepare written analyses of commercial loan requests and completion of annual reviews. The analyst will take direction primarily from the Commercial Credit Officer in working with all of the members of the commercial lending team on a daily basis. This person should have excellent communication skills, both written and oral, and be able to handle multiple tasks and special projects in commercial credit as required. This person will also be responsible for assisting in all administrative functions of the department.
KEY AREAS OF RESPONSIBILITY :
- Assist Commercial Credit Department in preparing analyses of commercial loan requests
- Assist in completion of annual reviews
SPECIFIC POSITION FUNCTIONS (DUTIES) :
Spreading financial statements, analyzing cash flow, reviewing ratios and include results in loan proposals utilizing nCino platformAnalyze financial statements, provide income statement / balance sheet analysis, explain impact of balance sheet changes / trends, discuss margins / trends in income statementDetermining GSB exposure and assembling relationship data on existing loans / deposits, borrower background, industry data, identify risksAssist in preparing loan proposals / reviews in coordination with Credit Administration ManagerPrepare annual loan reviews of commercial relationships as required by policyEvaluating financial stability and debt service capacity, management strength, collateral coverage, loan structure, risk assessment, economic environment and industry concerns and possible effects on the commercial relationshipRun credit bureau reports on borrowers & guarantors in GSB commercial relationshipsAssist in determining collateral position of borrower utilizing appraisals and financial statements as part of analysisTracking receipt of financial statements on most borrowers / guarantorsComplete credit inquiries and accountant confirmation requests on commercial customersAssist in ordering commercial appraisals as needed and completing appraisal reviewsAssist in preparation for external and internal audits and loan reviewREQUIREMENTS / SKILLS :
Must have a minimum of 1 year experience in commercial loan underwriting / analysisGood understanding of accounting principles and financial statements, with strong analytical skills and a focus on accuracy and detailMust be coachable but have ability to work independentlyExcellent written and oral communication skillsAbility to prioritize workflow, solve problems, think creatively to understand complex credit relationshipsShould have good time management and project management skillsExcellent skills with various software, FISERV Cleartouch, WORD / EXCEL applicationsGreenfield Savings Bank is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender, gender identity and / or expression, national origin, disability status, protected veteran status, age, marital status, or any other protected class.