Credit Analyst

4 weeks ago


Stamford, United States Partnership Employment Full time

Bank is looking to hire a Credit Analyst for their growing team


Primary Responsibilities:

• Credit Analyst will have experience covering CRE (Commercial Real Estate) and perform extensive due diligence on commercial loan borrowers including but not limited to analyzing business and personal financial statements and tax returns, quality of earnings reports, industry data, appraisals and other third-party reports

• Work directly with Relationship Managers to obtain all necessary documentation and information required to thoroughly underwrite loan requests. This includes determining the need for more thorough investigation or additional information, and efficiently coordinating the gathering of such information

• Draft detailed credit write-ups summarizing income statement, balance sheet, and cash flow components and trends, assessing repayment ability and capacity, and providing well-supported narrative analysis identifying and describing risk and mitigants of specific transactions and risk rating conclusions

• Display a deep understanding of complex credit, transaction, and borrower organizational structures

• Present analysis and address questions during credit request discussions or loan committee presentations

• Assist Commercial Loan Administrators and Relationship Managers with any credit related needs, such as draw down requests, credit references, and audit confirmations

• Accompany Relationship Managers on borrower and property site visits, as needed, and often establishing a direct relationship with the client to expedite future due diligence dialogue

• Perform periodic credit reviews of updated financial information for existing borrowing relationships, assessing covenant compliance and adherence to loan policy

• Mentor junior credit analysts on the team


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