Credit Analyst III - Regional Commercial

Credit Analyst III

The Credit Analyst III is responsible for conducting in-depth industry and financial analysis of existing and potential borrowers. This job works cooperatively to support the Lending and Credit functions of the Bank.

Depth & Scope :

• Responsible for complex loans / industries / customers
• Works independently
• Strong understanding of loan risk factors
• May train / mentor / coach junior analysts
• Researches industry specific information from outside sources
• Participates in customer meetings and makes direct inquiry for specific customer information based on prior research, experience and knowledge
• Integral part of loan origination process; responsible for performing underwriting analysis of borrower's character, credit worthiness and financial condition
• Supports the lending function by providing analytical support
• Prepares insightful and timely approval memorandums for presentation to appropriate lending and credit authorities
• Thoroughly analyzes financial statements, management profiles, business and product cycles, cash flow ability, collateral, agings, etc. of future and existing customers to identify trends, measure performance, assess financial strength and develop an assessment of credit risk
• Prepares complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary
• Maintains credit files, monitors data such as updated financial statements and prepares updated analysis memos
• Monitors compliance with regulatory requirements
• Provides written analysis that identifies any deviations from the company commercial loan policy and becomes familiar with alternative structures in order to reduce credit risk
• Achieves operational performance standards in quality and timeliness

Education & Experience :

Physical Requirements :