Credit Analyst II
3 weeks ago
Responsible for providing a sound, independent and objective assessment and recommendation on risk factors associated with large, complex structures & transactions related to Commercial and Industrial (C&I) & Corporate Enterprises. This position will also assist in the credit risk management and maintenance of credit quality for the respective assigned portfolio by monitoring relationship trends, clearing of exceptions, properly assessing and evaluating credit risk and other key factors, and providing recommendations and credit solutions which are appropriate to the relationship risk profile.
Responsibilities:
- Spread financial statements in spreading software, prepare comprehensive analysis, and credit approval package according to Bank credit programs and policy.
- Accurately review and measure the financial condition and operating performance of commercial and corporate enterprises for new loan exposures, existing loan exposures, increases, and modifications of terms/conditions.
- Provide an independent and objective assessment of risk factors associated with revolving lines of credit, trade financing, asset-based facilities, owner-occupied loans, including income producing properties for private or publicly traded business enterprises, and other specialized loan structures within the Bank's credit policies, and make recommendations on conditions/covenants relating to loan structure to adequately assess the risk involved in the proposed facilities.
- Ability to meet the requirement of completing at a minimum one large & complex financial analysis per week with a high degree of accuracy in terms of figures and credit risk assessment, with minimum supervision. Responsibility will also include the proper identification of loan policy exceptions and identification of industry/loan structure specific risks/issues with appropriate mitigating factors.
- Interact with Relationship Managers [RM] to enhance the quality of information for underwriting purposes. Acts as a consultant to business lines regarding credit issues, processes and procedures.
- Functions as a resource for business lines and works with senior management on various issues, as needed.
- Back up function for other operational roles performed in the department, as required by supervisor.
- Assist in the training process of new credit analysts and/or interns. Specifically, assist the trainees in the following: adopting the operating procedures of the department, the various formats used, and credit criteria applied to the different types of analysis.
- Ability to identify, evaluate, monitor and make any recommendation deemed necessary to the supervisor in order to assess, reduce, eliminate or control any current or prospective risks to earnings or capital arising from violations of, or nonconformance with, laws, rules, regulations, prescribed practices, internal policies and procedures or ethical standards.
- Ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to BSA, USA Patriot Act, OFAC and other AML related issues.
- Participation in various appointed committees and/or outside organizations, representing both the Credit Services Unit and Bank.
- Assist in the loan structuring process and review of legal covenants in conformity with the Bank’s policies and procedures. This also includes assisting Head of Segments and Relationship Managers in collaborating with other bank units such as Credit Administration, Loan Operations, Credit Services, Closing areas, and Credit Risk.
- Collaborate with Portfolio Management in the administration, monitoring, and renewal of upcoming maturities in a timely manner, processing of modifications, risk rating process (CARs), exceptions, covenants, as well as assisting in the identifying any "red flags" or problems within the portfolio.
- Conduct analysis/underwriting and assist portfolio managers functions, as needed. Provide support on new business activities by screening preliminary data and follow up in obtaining required documentation and conformity to credit underwriting policy of the Bank. Assist in the preparation of documentation, memos, and/or presentations (i.e. Term Sheet, PowerPoint presentations, etc.) as needed for the Relationship Manager.
- Operate the software systems for loan originations, modifications, annual reviews, and other presentations to senior management.
- Conduct annual review of existing credit relationships; recommend changes in risk rating as deemed appropriate. This includes calculating covenant testing requirements as needed. Identify, track and monitor loan policy exceptions, review credits with loan covenants and verify compliance.
- Monitor the assigned portfolio for adherence to Bank policies relative to credit, collateral, and documentation exceptions. Recommended appropriate actions, if necessary.
- Conduct project site visits/inspections and report findings, as needed.
- Attend seminars and training sessions to keep abreast of changing regulations, as well as industry/market trends and conditions.
Bachelor’s degree in business, accounting or finance required. Master’s degree preferred OR 3+ years of commercial credit analysis experience in lieu of education. Formal credit training required.
Minimum Work Experience Requirements:5+ years of professional experience in lending and/or credit analysis. Knowledgeable of banking products and documentation.
Technical and/or Other Essential Knowledge:
Thorough understanding of the Bank’s credit procedures, programs and policy. Accounting and credit principles. Proficiency in Microsoft Suite is required. Salesforce, nCino, FIS IBS experience is a plus. Sound time management and organizational skills required. Well organized and systematic. Must possess strong communication skills.
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