Commercial Credit Analyst

3 days ago

Camp Hill, United States LINKBANK Full time

Position location is flexible. Can be Camp Hill, PA or West Chester, PA

General Responsibilities / Job Summary:

The Commercial Credit Analyst primarily analyzes the financial information of commercial borrowers and prospective commercial borrowers to determine creditworthiness. The position also analyzes financial information of existing borrowers to identify deteriorating financial performance/condition of the borrowers. The Commercial Credit Analyst hired for this role is expected to perform work with independence and little supervision. This candidate is expected to have deep expertise in a specialized field (Commercial & Industrial, Commercial Real Estate, etc. ). Underwriting packages will be expected to require less rework than that of a junior Credit Analyst. This candidate should independently demonstrate a deeper understanding of appropriate credit structure, proper credit analysis, commercial product features and identification of credit risk associated with a commercial relationship. This understanding is to be demonstrated through clear and concise narrative in the underwriting memo.

Essential Functions/Duties:

  1. Embrace the LINK corporate values of LIVE, INTEGRITY, NURTURE, KNOWLEDGE and infuse those values throughout the company.
  2. This position requires the employee to possess a positive attitude and willingness to learn, while providing superior client services to all members of the bank.
  3. Effectively and efficiently spread and analyze borrower and guarantor financial information, summarizing findings in an underwriting memo.
  4. Gather background customer information from various public agencies and other resources (i.e., property searches, OFAC searches, environmental pre-screens, and credit bureau reports, appraisals, etc.)
  5. Ability to prioritize assigned workflow through frequent communication with the relationship management team, including updates provided at weekly sales pipeline meetings.
  6. Documentation and maintenance of ticklers, covenants and policy exceptions.
  7. May occasionally accompany Relationship Managers team on joint customer sales and service calls for exposure, learning, and offering technical support as needed.
  8. Through the annual review and renewal process, identify warning signals of potential problem loans recommending the appropriate risk rating and structure to management.
  9. Assist with loan administration and portfolio management tasks as assigned.
  10. Assist with special projects (system, process, policies improvements) for the Credit Department as needed.
  11. Assist with the training of new or less experienced Credit Analysts and work closely with interns assigned to the Credit Department.
  12. Other duties as assigned.


Requirements

Minimum Qualifications:

Education/Training: High School Diploma or GED equivalent, Four (4) year college degree in Finance, Accounting, Business Administration, or Economics preferred

Knowledge/Skills/Abilities:
  • One must have an analytical mindset with an interest in business/entrepreneurship.
  • Ability to manage multiple priorities with clear direction from supervisor.
  • Must be able to partner closely with Lending Team ("Line") and senior/executive management within the Bank.
  • Partnership with the relationship management team includes a team approach to understand and effectively underwrite commercial credit requests, while meeting customer expectations.
  • Partnership with senior/executive management includes working to develop underwriting knowledge with Credit Officers and with executive management to achieve strategic goals of the Bank.
  • Underwriting commercial credit involves many instances of independent judgement calls and decision making as the analyst reviews and evaluates financial and loan information. While the analysts evaluate risks based on information provided, the ultimate decision to approve or deny a commercial loan is with designated approvers with approval authority (RMs, Senior Analysts, Regional Presidents, Senior Credit Officer, President, Chief Credit Officer, CEO).
Experience: 5+ years of C&I and/or CRE underwriting experience (commercial loans) in a traditional bank setting.

Required Certification/Licenses: N/A

Travel Requirements: Ability to travel to all locations in the bank's footprint as needed.

Physical and Mental Job Requirements:
  • Must be able to verbally communicate instructions and information clearly, concisely, and accurately to our clients and other employees.
  • Must be able to read and comprehend sometimes complex schedules, and details to process correspondence accurately, while providing exceptional client service.
  • Manual dexterity for the functional operation of office equipment, computer terminal, and other office equipment.
  • Must have visual acuity required to work at a computer terminal.
  • Mobility enough to coordinate activities in the department and lifting up to 50 pounds may be required.


Working Conditions:

This job operates in a professional office environment. This role routinely uses standard office equipment, such as computers, printers/copiers, phones, and postage meters.

  • Clinical Revenue Analyst

    1 week ago

    Cherry Hill, New Jersey, United States Insight Global Full time

    Job Description: As a Clinical Revenue Analyst at Insight Global, you will play a crucial role in ensuring accurate and timely payment for our healthcare clients. Your responsibilities will include reviewing medical coding charts, cleaning claims, and monitoring claim status.Key Responsibilities:Make claim edits before submission to the payer.Resolve billing...

  • Network Architecture Specialist

    7 days ago

    Camp Pendleton, United States Stahl Companies Full time

    We are seeking a highly skilled and experienced Network Architecture Specialist to join our team at Stahl Companies, providing Program Management for its Channel of Commercial Technology companies in Government. The successful candidate will have 7+ years of demonstrated network engineering experience and a strong understanding of network design,...

  • CDL-A Team Van Truckload Driver

    4 weeks ago

    French Camp, California, United States Schneider Full time

    Job OverviewSchneider offers a unique opportunity for experienced CDL-A truck drivers to join our team as Team Van Truckload drivers.Key FeaturesDry van trailers with 95% no-touch freight for increased efficiency and reduced paperwork.Drive within all 48 states, providing opportunities for diverse routes and experiences.Take your pet with you on the road,...

  • Reliable CDL-A Dedicated Truck Driver

    5 days ago

    French Camp, California, United States Schneider Full time

    Job OverviewWe are seeking a skilled and reliable CDL-A dedicated truck driver to join our team at Schneider. As a dedicated truck driver, you will be responsible for hauling retail freight on liftgate trailers, hand unloading freight using rolltainers, and driving within the Western 11 states.Compensation and BenefitsThe estimated weekly pay for this role...

  • Long-Haul Team Truck Driver with Competitive Pay

    3 days ago

    French Camp, California, United States Schneider Full time

    Job OverviewAs a Long-Haul Team Truck Driver with Schneider, you will have the opportunity to earn a competitive salary and enjoy a unique work-life balance. Our team van truckload drivers operate within all 48 states, providing ample opportunities for growth and exploration.Salary and BenefitsOur drivers can expect an average weekly pay of $1,370-$1,520,...

  • Collection Specialist

    6 days ago

    Signal Hill, California, United States Volt Full time

    Job Summary:We are seeking a highly skilled Collection Specialist to join our team at Volt. This full-time opportunity will involve monitoring aging customer balances, identifying outstanding debts, and communicating with customers to collect owed amounts.Key Responsibilities:Monitor domestic and international customer balances for accurate debt...

  • Private Banking Officer

    2 weeks ago

    Spring Hill, United States Republic Bank Limited Full time

    "Republic Bank believes in the development and advancement of our associates.We offer the opportunity to learn all aspects of the company to prepare for future advancement.Come join our team for a career, not just a job!" Grade 13 About Republic Bank Republic Bank's values are built upon making an IMPACT for our clients, our associates and the communities we...

  • Freight Transport Professional

    1 week ago

    Rock Hill, South Carolina, United States Schneider Full time

    About the JobSchneider is seeking a skilled Regional Intermodal truck driver to join our team.Key Responsibilities:Haul freight containers secured to company-owned chassis.Drive in and out of railyards within Florida, Georgia, South Carolina, Tennessee, Virginia, Alabama, and North Carolina.Compensation and Benefits:We offer a competitive salary range of...

  • Regional Van Truckload Driver Opportunity

    3 days ago

    Rock Hill, United States Schneider Full time

    Schneider Regional trucking jobs offer the opportunity to earn up to $1,080 per week with our Van truckload division. With a high volume of freight and predictable power lanes, you'll enjoy consistent miles and less downtime.Average Pay: $890-$1,080 weeklyWe're seeking CDL-A drivers who want to stay close to home and have a reliable schedule. Our Van...

  • Truck Driver

    1 week ago

    Richmond Hill, New York, United States Schneider Full time

    Company OverviewSchneider, a leading provider of trucking services, is seeking experienced CDL-A drivers for regional van routes. Our company prioritizes diversity and equality, ensuring all associates have equal access to opportunities and resources.Salary and BenefitsThe estimated weekly pay for this position ranges from $890 to $1,080, with the potential...

  • Administrative Assistant III

    4 weeks ago

    Spring Hill, United States Capital City Bank Full time

    Administrative Assistant III - More than your bank. Your banker.Hours: Monday - Friday, 40 hours General Summary In this position, associates will provide administrative and lending support to assist in the management of lenders’ (Presidents, Community Bankers, Commercial Bankers, Business Bankers, etc.), loan portfolios. In compliance with the S.A.F.E....

  • CDL-A - Dedicated truck driver - Dollar General

    5 days ago

    French Camp, United States Schneider Full time

    Job Description: Dedicated truck driver - Dollar General Average pay: $1,330-$1,620 weekly Home time: Weekly Experience: 3 months or greater CDL experience Overview Hauling retail freight on liftgate trailers. 100% hand unload freight using rolltainers. 2-3 loads per week with multiple stop-offs per load. Drive within the Western 11 states. Pay and bonus...

  • Regional Van Truckload Driver

    1 month ago

    Rock Hill, United States Schneider Full time

    Average pay: $890-$1,080 weekly Home time: Weekly Experience: All CDL holders Predictable power lanes with a high volume of freight. Consistent freight allows for maximum drive time and less down time. Dispatched in advance, allowing for improved planning. 95% no-touch, mostly drop-and-hook freight. Drive within the Eastern 37 states. Pay and bonus...

  • Window Cleaner III

    4 months ago

    Rock Hill, United States Fish Window Cleaning Full time

    Benefits: Bonus based on performance Company parties Competitive salary Flexible schedule Free uniforms Opportunity for advancement Training & development Are you tired of sending endless resumes and not receiving any responses? Don't like working nights and weekends? Enjoy variety in your work and being outside? Want to make double minimum wage and get...

  • Route Manager

    1 month ago

    Rock Hill, United States Kept Companies Full time

    Job DescriptionJob DescriptionSalary: 1000 weekly plus bonusKept Companies is the largest self-performing commercial cleaning and maintenance company in the nation. With nine leading brands and over 100 locations nationwide servicing industries including restaurant, solar, retail, transportation and supermarket. Kept Companies is the leading provider of...

  • CDL-A - Tanker truck driver

    1 week ago

    Crest Hill, United States Schneider Full time

    Job Description: Tanker truck driver Average pay: $1,210-$1,480 weekly Home time: Weekly Experience: 3 months or greater CDL experience Overview Haul 99% hazardous freight in tanker trailers. 3-5 loads per week. Qualifications Valid Class A Commercial Driver's License (CDL). Tanker and HazMat endorsements required at time of hire. Live within 50 miles of...

  • CDL-A - Tanker truck driver

    5 days ago

    Richmond Hill, United States Schneider Full time

    Job Description: Tanker truck driver Average pay: $1,140-$1,390 weekly Home time: Weekly Experience: All CDL holders Overview Haul liquid chemical freight in tanker trailers. 2-3 loads per week. Pay and bonus potential Mileage pay, plus hourly pay while on duty, not driving. Weekly performance pay. Earn up to $0.03 more per mile by obtaining additional...

  • (Litigation Attorney)

    6 months ago

    Cherry Hill, United States Litchfield Cavo LLP Full time

     Job DescriptionLitchfield Cavo LLP is a premier insurance coverage and litigation defense law firm founded in 1998 on one principle—client service comes first. Our attorneys operate out of 23 offices, serving clients in more than 35 states nationwide. Collectively, we are a resource of experienced trial attorneys providing creative and responsive...

  • Window Cleaner III

    2 months ago

    Rock Hill, United States Fish Window Cleaning Full time

    Benefits: Bonus based on performance Company parties Competitive salary Flexible schedule Free uniforms Opportunity for advancement Training & development Are you tired of sending endless resumes and not receiving any responses? Don't like working nights and weekends? Enjoy variety in your work and being outside? Want to make double minimum wage and get...

  • Retail Operations Leader

    1 week ago

    Spring Hill, Tennessee, United States Twice Daily Full time

    Job SummaryWe are seeking a motivated and results-driven Retail Operations Leader to join our team at Twice Daily. This role will be responsible for assisting the General Manager in leading and coaching team members to deliver exceptional guest experiences.About Twice DailyTwice Daily is a growing, local, family-owned company with nearly two thousand...