Commercial Credit Analyst I (Bank) / Req

Commercial Credit Analyst I

Department :

Credit Administration

Reports to :

Commercial Credit Department Manager

Supervises : None

Status : Full Time

/ Exempt / Onsite Only

Must already be

authorized to work in the United States. Relocation is not

provided.

Partners Bank

is a rapidly growing community bank with operations

in Maine and New Hampshire that has established superior service

level expectations. We offer generous compensation and benefits

while fostering opportunities for growth and flexible work

schedules when appropriate.

Summary for the Commercial Credit Analyst I :

Evaluate the financial condition

of individuals and businesses applying for credit within Partners

Bank. Assists with the engagement and review process of appraisals

and evaluations related to commercial loans.

Job Requirements for the Commercial Credit Analyst I :

Bachelor's degree

with a focus in either Business Administration, Accounting,

Economics, or Finance or two years of accounting coursework and

prior commercial credit analysis experience.

Strong financial analytical abilities.

Six

months or more of experience with credit systems.

Excellent verbal and written communication

skills.

Computer proficiency, including

proficiency with Word and Excel and solid typing skills.

Timeliness, ability to recognize and meet

deadlines.

Specific

Job Functions for the Commercial Credit Analyst I :

Analyze loan data on

new, renewal and existing loans, including data provided by credit

bureaus, other financial institutions.

Perform independent analysis of a wide variety of commercial loan

requests, including commercial and industrial and commercial real

estate loan requests, in a timely manner.

Analyze loan requests of all size and varying degrees of complexity

based on experience. Work closely with lead staff to develop an

assessment of risk identifying key strengths and weaknesses to

determine a risk rating based on an eight point system defined in

the commercial loan policy.

Develop

familiarity with the bank's commercial loan policy in order to

identify any deviations from the policy.

Become familiar with alternative structures to reduce credit risk.

Complete a written analysis of each credit

including any or all of the following, as applicable : a background

summary of the borrowing entity, a management analysis, a financial

analysis of the borrowing entity; an analysis of the traditional

cash flow / debt service coverage of the borrowing entity; a

collateral analysis; an analysis of any corporate or personal

guarantors; financial and traditional cash flow analysis of any

related entities; an assessment of the risks and the strengths of

the credit; and a summary / recommendation supporting the proposed

risk rating for each credit analyzed.

Credits

analyzed will usually be for basic loan requests with

straightforward (single facility) organizations in common

industries.

Work closely with lead staff.

Under direct supervision, with little opportunity for un-reviewed

credit decision making.

Establish, review and

update new and existing loan files for SIS on a regular basis.

Provide technical advice and assistance and

completes special projects related to the Commercial

Loan / Commercial Credit Department.

Engage

appraisers and evaluators as needed related to commercial loans.

Review appraisals for compliance with USPAP

as well as regulatory compliance related to applicable commercial

loans.

Review evaluations and price opinions

for regulatory compliance related to applicable commercial loans.

This Job Description for

the Commercial Credit Analyst I describes the essential functions

and qualifications of the job described. It is not an exhaustive

statement of all the duties, responsibilities, or qualifications of

the job. This document is not intended to exclude modifications

consistent with providing reasonable accommodations for a

disability. This is not a contract.

Your signature will indicate that you have read this Job

Description and understand the essential functions and

qualifications for the job.

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