Credit Analyst

Job description

Summary: The Credit Analyst supports the Portfolio Manager (PM) and the Relationship Manager (RM) throughout the pre-loan and post-loan process. The Credit Analyst uses tools such as financial models, credit reports and key ratios to determine the continued creditworthiness of existing clients. Essential Duties and Responsibilities: - Analyze financials and prepare spreads in the FirstBank underwriting program. - Conduct financial analysis and underwriting for credit for loan modification requests and loan renewals. - Occasionally prepare underwriting/credit memos for new loan requests after collecting all financial information. - Clear collateral exceptions. - Track borrowing base reports. - Test financial covenants in the FirstBank underwriting program. - Monitor past due information and future maturities, alerting the RMs as needed. - Order appraisals. - Prepare, review and monitor reports to ensure FirstBank guidelines for compliance and credit monitoring are being met. - Monitor reports analyzing loan commitments and outstanding balances by customer, loan type, property type, location, size, etc. - Perform the analysis of key financial metrics for input in commercial loan risk...