Commercial Credit Analyst

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Overview

The primary responsibilities of the Credit Analyst at Johnson Financial Group include spreading financial statements, performing covenant checks, underwriting both small business and commercial loan requests, and preparing loan presentations for credit approval.

Building strong relationships is key. This role will allow you to work closely with other internal business partners as you guide loan presentations through the approval process.

As you continue to gain experience as a Credit Analyst, there are several options for continued career progression at Johnson Financial Group. One option is moving into more advanced levels of a Credit Analyst. This advanced experience could lead to moving into a Lead Analyst position, Supervisor position, or a management position. Perhaps sales intrigues you? Being a Portfolio Manager or Treasury Management Sales Associate would be a great next step. If you prefer crunching numbers, as an experienced analyst, you could move into a Commercial Underwriter role. This advanced experience could lead to further career options in Credit or even Loan Review. Maybe your desire is to look at other lines of business within the organization? Mortgage, Wealth, Consumer, Private, or Small Business Banking, even Corporate level roles may be a great next step.

Key Responsibilities

• Prepare loan presentations for credit approval.
• Underwrite loan requests working very closely with Lenders, Portfolio Managers, and Underwriters on structuring, risk identification / mitigation, and risk ratings.
• Underwriting loan presentations include, but isn't limited to, the following :
• Describe facilities / relationship including purpose of debt
• Identify and mitigate (when necessary) procedural exceptions
• Analyze collateral
• Analyze financial statements
• Analyze cash flow, including global cash flows when necessary
• Analyze loan covenants
• Detail financial reporting requirements
• Provide relevant industry analysis
• Analyze guarantor / personal cash flow
• Complete all necessary coding tied to loans (NAICS, Fed Call Code, etc.)
• Guide loan presentations through the approval process.
• May attend and assist with credit calls and / or field audits as requested.

Job Requirements - Education, Knowledge, And Skills

Come as you are. Our culture embraces diversity, equity, & inclusion; one where everyone feels valued and heard. For more information on JFG's culture and diversity efforts, including our employee resource groups, please visit the Diversity section of our career website.

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