Scope Credit Analyst II

Job description

RESPONSIBILITIES: - Use independent judgment and critical thinking in the compilation of key financial data for the accurate representation of credit risk in loan requests including global cash flow analysis, collateral analysis, industry analysis, management analysis, and overall repayment capacity - Independently complete underwriting in accordance with current regulations, compliance terms, bank policy, and legal requirements - Recommend appropriate risk grade; supporting the grade with risks, mitigants, and strengths - Serve as a valuable resource for credit write-up and tax return analysis - Proactively assist the Commercial Lenders in portfolio management functions including: seeking out and assisting in the annual review process, loan review preparation, and regulatory examinations. May manage said processes and examinations. - Accurately spread financial statements and tax returns and analyze historical performance. Review proformas for reasonableness. - Develop and measure appropriate loan structures and covenants to provide advance warning of potential credit risk and mitigate losses. Prepare pertinent reports, track financial information and receipt thereof. - Review and...