Commercial Credit Analyst

Job description

*This role is not eligible for sponsorship* RESPONSIBILITIES: - Soundly apply the bank’s credit culture and credit policies; is considered a policy expert - 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 - Accept credit requests directly from borrowers; make initial decision with regard to declination or proceeding in the credit request process - Recommend appropriate risk grade, supporting the grade with risks, mitigants, and strengths - Considered a valuable resource for the credit write-up/template 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 in regulatory examinations; may manage said processes and examinations - Spread financial statements and tax returns and analyze h...