Commercial Credit Analyst

3 months ago

Miami, United States Pacifica Continental Full time

The Commercial Credit Analyst prepares credit analyses and underwrites commercial, international and consumer transactions

Main Functions and Responsibilities:

  • Spread financial statements in order to pre-screen the viability of the credit proposal.
  • Examines accounting methods and scrutinizes financial statement and accompanying information.
  • Prepare credit presentations which include the following: identify and mitigate risk, identify sources of repayment, sensitivity analysis, industry data and project analysis.
  • Pull credit reports, OFAC and background checks to evaluate and examine credit references for consistency with information provided.
  • Analyzes borrower's business methods of operations, operational environment, financial condition and operating performance to determine borrower's ability to pay on loans.
  • Requests specific information and discusses or resolves issues pertaining to borrower's business, financial status and credit risk.
  • Confers with Credit Manager in order to resolve problems with application or missing information.
  • Performs credit underwriting, assess credit risk, complies with the Bank's Credit Policy and issues recommendations about credit proposals to be reviewed by the Credit Manager.
  • Performs credit analyses for annual reviews and credit renewals as required.
  • Conducts follow-up of borrowers' financial situations with authorized credit facilities.
  • Assures financial covenants of each transaction are carried out as approved.
  • Maintains continuous efforts to supervise problem credits.
  • Attends to administrative functions of the credit Committee (agenda, minutes and board letters) when needed.
  • Signs and authorizes credit/trade references when needed.
  • Participates in special projects related to the bank's loan portfolio, such as but not limited to legal lending limit log, Allowances for Loan Losses, etc.
  • Full knowledge and understanding of bank policies, procedures, regulatory and compliance requirements, including but not limited to BSA/AML, CDD, EDD, and others as defined by the Compliance Division and Information Security Division
  • Attend and/or complete all required training as assigned.
Ensure compliance with all applicable laws, regulations and policies.

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