Commercial Credit Analyst

5 days ago

Nottingham, United States Rosedale Federal Savings and Loan Association Full time
Join Rosedale Federal and Be a Part of OUR STORY

At Rosedale Federal, we pride ourselves on being a community bank. We are a highly successful, growing financial institution with a rich 116-year history, over $1 billion in assets, 13 retail branch locations in MD, and approximately 150 employees. Our culture, strategic vision, and core values center around community, both internal and external. We believe what sets us apart is our strong commitment to our people - employees, customers, and communities - with a focus on employee engagement and recognition, work/life balance, growth and development opportunities, personal connections, delivering an exceptional personal touch customer experience, charitable giving, employee involvement in our communities, financial literacy, and so much more.

About the Job

Rosedale Federal is currently seeking a Credit Analyst to join our Commercial Credit team. Incumbent will be responsible for analyzing and assessing the credit worthiness of new and existing business and commercial loan customers. Underwrite all new commercial loan requests by analyzing financial statements, tax returns, and preparing detailed global cash flow analysis to assess the borrower's financial condition and ability to repay the debt. Analyze and assess the credit worthiness of existing customers (individuals and businesses) as part of the annual review process for the Commercial Lending department.

In this position you will:
  • Independently underwrites commercial loan inquiries and transactions from the initial credit assessment through approval.
  • Assess credit worthiness and transaction viability for potential new transactions. Discuss results of initial financial review, underwriting guidelines, and institution specific credit standards with Commercial Loan Officers to support lending decisions. Recommend loan structure enhancements and protective loan covenants, as needed, during the approval process.
  • Prepare accurate and thorough loan packages for Executive Loan Committee. Preparation of loan packages includes underwriting and collateral analysis, identify and document lending exceptions to bank policy, prepare written presentation of underwriting and collateral analysis, summarize the transaction's strengths and weaknesses, and provide credit recommendation.
  • Conduct internal loan reviews on existing commercial relationships, including loan covenant testing. Ensure compliance with all related policies and approval requirements.
  • Assist with coordination of quarterly problem loan documentation by supplying the Commercial Loan Officers with updated spreads and cash flows as needed.
  • Assist with external loan reviews, audits and regulatory reviews. Assist the Chief Credit Officer with the collection of information and files as necessary.
What we are looking for:
  • Bachelor's Degree in finance, business administration, real estate finance or related field preferred.
  • 2+ years of experience in lending with at least 1 year analyzing and underwriting commercial loan transactions at a financial institution.
  • Fundamental knowledge of commercial lending including real estate transactions, credit analysis, and cash flows.
  • Understanding of banking laws and lending regulations.
  • Understanding of commercial real estate appraisals preferred.
  • Financial analytical skills to include the ability to compare, evaluate and recommend.
  • Excellent verbal and written communication skills; ability to work independently.
  • Medium to advanced Microsoft Office Skills; advanced excel skills preferred.
Working Conditions/Physical Requirements
  • Must be able to remain in a stationary position for long periods of time (50%-75% of the time).
  • The person in this position needs to occasionally move about inside the office to access file cabinets, office machinery, etc.
  • Constantly operates a computer and other office productivity machinery, such as a calculator, copy machine, and computer printer.
Benefits you will enjoy
  • 401(k) - fully vested employer match and discretionary year end employer profit share contribution
  • Health Savings Account with generous employer contribution
  • Wide variety of Voluntary Benefit Options
  • Employer subsidized Health & Wellness Fitness Program
  • Generous paid time off including Birthday Day Off
  • Paid Parental Leave
  • Discretionary performance-based bonus program
  • RISE Employee Recognition Program
  • Paid Community Outreach Hours

List of essential functions is not necessarily exhaustive and may be supplemented, or otherwise revised by the employer, at its sole discretion.

We are an equal opportunity employer. Employment selection and related decisions are made without regard to race, color, religion, sex or gender (including pregnancy), age, marital status, disability, national origin, veteran status, sexual orientation, gender identity, genetic information or any other protected class.

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