Commercial Credit Analyst I

4 months ago


Newark, United States Park National Bank Full time
RESPONSIBILITIES

  • Accurately prepare loan requests and loan renewal write-ups; including global cash flow analysis, collateral analysis, industry analysis, management analysis, and overall repayment capacity
  • Complete underwriting in accordance with current regulations, compliance terms, bank policy, and legal requirements
  • Accurately spread financial statements and tax returns and analyze historical performance
  • Assist in the preparation of annual reviews of existing clients upon receipt of updated financial information
  • Monitor financial statement requirements, loan covenants, and borrowing base certificates and communicate findings to lender and manager. Prepare pertinent reports, tracking financial information and receipt thereof.
  • Participate in identifying, measuring, monitoring, controlling, and mitigating credit risk of the commercial loan portfolio
  • Obtain, analyze, and incorporate third-party borrower information (e.g., credit reports, costar, RMA)
  • Accompany Commercial Lenders on calls and inspections, and assist with presenting loan requests to approvers as needed
  • Assist in loan review cycle and with classified asset reporting
  • Attend and participate in department meetings as necessary
  • Maintain orderly and up to date credit files
  • Maintain ownership for all accepted tasks
  • Take a proactive approach to learning and career development
  • Understand and promote the bank's credit culture and credit policies
  • Maintain awareness of and adherence to Bank's compliance requirements and risk management concepts, expectations, policies and procedures and apply them to daily tasks
  • Deliver a consistent, high level of service within our Serving More standards
  • Other duties as assigned
COMPETENCIES
  • Interpersonal/Customer Service Skills
  • Written and Verbal Communication
  • Ability to understand and follow directions
  • Adaptable to change
  • Basic Computer Skills
  • Organizational Skills/Detail Oriented
  • Analytical Thinking
  • Problem/Situation Analysis
  • Ability to influence others
  • Ability to work as part of a team


SCHEDULE

Office hours are Monday through Friday 8am to 5pm. This position is hourly and full time. A minimum 37.5 hours is required to maintain eligibility for full-time status. Generally the position will require 40 hours per week.

A flexible work arrangement is available for this position. The position will require some scheduled onsite hours. Please speak to the hiring manager for more information.

EDUCATION - CERTIFICATIONS - WORK EXPERIENCE

BA/BS, Business Management required

BA/BS, Finance / Accounting or other concentrations considered with 2+ years relevant experience
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