Commercial Credit Analyst

Job description

Primary Purpose: Evaluate the financial condition of individuals and businesses applying for credit with the bank to determine the Member’s credit worthiness. Essential Responsibilities: - Researches and analyzes pertinent financial information for existing and potential commercial and consumer clients. - Supports Commercial Lenders, Private Bankers, Branch Managers and Senior Bank Management through financial/credit analysis, ratio calculation and other requested underwriting support. Prepares the full suite of Credit Analysis Products: - Personal Cash Flows - Combined multiple Personal Cash Flows - Business spreads - Combined multiple business spreads - Builder Cash Flow Model - Financial Analysis Summary - Prepares business spreads based on tax returns and/or business financial statements. Documents business trends that would have an affect on the Member’s ability to service the proposed or current debt obligation. - Obtains credit bureau reports (Experian, D&B, retail credit) for the review of personal payment history and prepares business and global cash flows. - Provides research into industry trends and evaluation of market data impacting prospective or existing clients’ bus...