Commercial Credit Analyst III

Job Description

Job Function –

Prescreens and underwrites loan requests related to commercial real estate and commercial and industrial transactions. Recommends the approval and structure of proposed loans based on analysis of financial statements, tax returns, and other financial information relevant to the transaction.

Job Responsibilities –

Assists loan officers by running scenarios related to the upfront pricing and structuring of loan requests.

Proactively and effectively manages and completes assignments in high production environment so that service level agreements and turn time targets are achieved on a consistent basis without sacrificing quality.

Reviews  borrower   financial  statements,  tax   returns  and  other   relevant  financial information in order to perform cash flow and reserve analyses.

Reviews leases, rent rolls and operating statements for multi-family and commercial investment properties; compares property and occupancy and net operating income to comparable properties in the marketplace; and develops pro-forma cash flow statements.

Reviews title reports, appraisals, environmental site assessments, physical condition reports and other third party reports related to commercial properties offered as collateral in connection with loan requests.

Assess  the   location,  physical  condition,   economic / investment   viability,  quality  of management, and marketability of commercial real estate offered as collateral.

Reviews receivables aging reports, inventory reports, equipment valuations and other relevant documentation critical in analyzing a commercial and industrial loan request.

Assists in on-going covenant monitoring of commercial real estate and commercial and industrial loan requests including monitoring of borrowing bases and approving draws on asset-based lines of credit.

Reviews  borrower   organizational  documents,  credit   reports,  and  other   relevant documentation critical to a proper credit analysis.

Independently  develops   rationale  for  recommending   approval  or  decline   of  loan requests.

Prepares written credit workbooks which include household summaries,  loan summaries, transaction explanation, project and global cash flow analysis, guarantor analysis and credit recommendation.

Conducts periodic and scheduled reviews of loans and loan relationships in accordance with bank policy.

Assists loan officers in collection of updated tax returns, financial statements, and other relevant documentation required annually or to underwrite a new loan request.

Manages the day-to-day functions of a regional credit department, including but not limited to the following : pipeline, maturing loans, technical exceptions, covenant monitoring, borrowing base monitoring, delinquencies, and other portfolio management tasks; or

Serves as subject matter expert to the Credit Department of any of the following types of lending : commercial and industrial, agricultural, public / municipal finance, or SBA / Government sponsored programs.

Demonstrates behaviors which are aligned with the organization’s desired culture and values.

Ensures that own work is in compliance with all applicable laws, regulations, policies and guidelines.

Performs other related duties as required and assigned.

Working Conditions and / or Physical Requirements –

• Ability to work under stress and meet deadlines.
• Ability to operate a keyboard if required performing the essential job functions.
• Ability to read and interpret a document.
• Ability to travel if required to perform the essential job functions.
• Ability to lift / move / carry approximately 20 pounds if required to perform the essential job functions. If the employee is unable to lift / move / carry this weight and can be accommodated without causing the department an “undue hardship” then the employee must be accommodated; hence, omitting lifting as a physical requirement.

EOE AA M / F / Veteran / Disabled

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