Credit Analyst IV

POSITION SUMMARY

This position is responsible for detailed research and credit analysis of complex credit requests in Commercial Credit Underwriting C&I Regional Department.  This is a senior position.  The incumbent is expected to have comprehensive knowledge of credit & risk analysis, credit rules, structuring of credits, regulations and documentation with the ability to exercise independent judgment within established Underwriting Guidelines and Credit Policy.  At this level, the incumbent is expected to increasingly work with and assist the Commercial Loan Officers on customer calls and structuring deals.  The incumbent will show leadership in training less experienced staff members and handle more complex and/or challenging assignments (e.g., larger deals or complicated requests with the highest level of relationship exposure under Executive Leadership and Credit Committee Approval Authority – Level 8 & 9).  The incumbent will have a key role of consequence to the team outside of their credit related work.  For instance, 3rd party vendor management responsibilities, reporting, and special projects.

MAJOR JOB RESPONSIBILITIES

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-Prepare loan approvals, annual reviews and conduct and credit analysis for new requests, in addition to modifications and short term extension of existing loans.
-Prepare loan approvals, annual reviews and conduct and credit analysis for new requests, in addition to modifications and short term extension of existing loans.
-Accompany Commercial Loan Officers on customer and prospect calls.  Participate in            discussions with management regarding creditworthiness of proposed loan requests.
-Conduct third party research, inclusive of industry reports, personal credit reports, real estate analysis with market assessments, etc.
-Prepares reports and handles special assignments
-Assists in 3rd party vendor management responsibilities
SUPERVISORY RESPONSIBILITIES

  
Subject to business needs may have supervisory and mentorship responsibilities for junior Credit Analysts.

SKILLS AND TRAINING

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Thorough knowledge of underwriting, credit analysis, commercial loan structure, and regulatory guidance.
-Strong analytical skills with ability to identify strengths and mitigate risks.     
-Strong knowledge of commercial real estate lending, inclusive of investment, owner-occupied and some construction.
-        Proficient in Commercial & Industrial lending including debt service coverage, cash flow, A/R and A/P, WIP, Borrowing Base Certificates, and construction budgets.
-Strong computer skills, inclusive of experience with loan origination software and MS Office applications (specifically MS Word and Excel).
-Strong verbal and written communication.
-Ability to prioritize multiple projects and complete them on time.
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Ability to conduct meetings, meet with customers, effectively present information and respond to questions from peers, auditors and various levels of management.
-      Strong comprehension of accounting practices, inclusive of balance sheets, income statements, equity reconciliation, and cash flows.
-Credit underwriting confidence for the ability to mentor and train Credit Analyst III. 
-        Under some supervision, ability to correspond, manage, and in certain cases negotiate with 3rd party vendors. 
 

EDUCATION

Bachelor’s degree in Finance, Accounting or Economics.  MBA preferred.  Formal credit training or higher banking education (i.e. Graduate School of Banking, Stonier, etc). 

WORK EXPERIENCE

7
or more years in Commercial Banking. 

LICENSES AND/OR CERTIFICATES

Certification in Credit Risk or Credit Management preferred.

WORKING CONDITIONS

Work is mainly performed in a normal office environment.  Noise levels usually are moderate.

HAZARDS

The hazards are only those present in a normal office setting.

This job description may not be all-inclusive.  Employees are expected to perform other duties as assigned and directed by management.  Job descriptions and duties may be modified when deemed appropriate by management

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