Commercial Credit Analyst II

3 weeks ago

Charlotte, United States Park National Bank Full time
RESPONSIBILITIES

  • Soundly apply the bank's credit culture and credit policies; is considered a policy expert
  • Use independent judgment and critical thinking in the compilation of key financial data for the accurate representation of credit risk in loan requests including global cash flow analysis, collateral analysis, industry analysis, management analysis, and overall repayment capacity
  • Independently complete underwriting in accordance with current regulations, compliance terms, bank policy, and legal requirements
  • Accept credit requests directly from borrowers; make initial decision with regard to declination or proceeding in the credit request process
  • Recommend appropriate risk grade, supporting the grade with risks, mitigants, and strengths
  • Considered a valuable resource for the credit write-up/template and tax return analysis
  • Proactively assist the Commercial Lenders in portfolio management functions including seeking out and assisting in the annual review process, loan review preparation, and in regulatory examinations; may manage said processes and examinations
  • Spread financial statements and tax returns and analyze historical performance; review proformas for reasonableness
  • Develop appropriate loan covenants to provide advance warning of potential credit risk and mitigate losses; develop proper loan structures
  • Assist in the training of junior analysts as needed; may manage a small group of other credit analysts or related positions
  • Review and analyze appraisals for market, credit, construction, and economic risks
  • Understand more complicated loan documents; assist Commercial Lenders in working with outside legal counsel to prepare and execute loan documentation
  • Participate in customer meetings; independently inspect properties; prepare customer communication on behalf of the Commercial Lender; handle simple loan closings for the Commercial Lender; work with customers in obtaining updated financial statements
  • Assist Commercial Lenders with presenting loan requests to approvers, Senior Lenders, and Loan Committee as needed; attend and participate in other meetings; may present credit requests on behalf of Commercial Lenders
  • Obtain, analyze, and incorporate third-party borrower information (e.g., credit reports); research inconsistencies
  • Maintain data integrity
  • Prepare pertinent reports, track financial information and receipt thereof
  • Work with the Commercial Lender on classified assets and reporting thereof
  • 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
  • Technical Expertise
  • Ability to build collaborative relationships
  • Ability to develop or mentor others
  • Ability to work as part of a team


SCHEDULE

Typical office hours are M-F 8a-5p. This position is exempt and full-time. A minimum 40 hours is required per week. Additional time may be necessary based on customer and bank needs.

This position is eligible for a flexible work arrangement with opportunity to work both in office and remotely.

EDUCATION - CERTIFICATIONS - WORK EXPERIENCE

Bachelor's degree in a business field, preferably finance or accounting. Other concentrations will be considered with at least five years relevant experience required

TRAVEL REQUIREMENTS

Travel to customers and prospects is expected

PHYSICAL REQUIREMENTS

This position must be able to remain in a stationary position a maximum of 50% of the time, constantly operate a computer up to 50% of the time and be able to be in constant communication with coworkers, customers, or stakeholders to discuss and observe facts and data in order to exchange accurate information.

  • Credit Analyst II

    2 weeks ago

    Charlotte, United States Fifth Third Full time

    Make banking a Fifth Third better We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank. GENERAL FUNCTION: The Credit Analyst II is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing...

  • Credit Analyst II

    2 months ago

    Charlotte, United States Fifth Third Bank, N.A. Full time

    Make banking a Fifth Third better® We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank. GENERAL FUNCTION: The Credit Analyst II is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing...

  • Credit Analyst II

    4 weeks ago

    Charlotte, United States Fifth Third Full time

    Make banking a Fifth Third better We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank. GENERAL FUNCTION: The Credit Analyst II is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing...

  • Credit Analyst II

    3 weeks ago

    Charlotte, United States Fifth Third Bank, N.A. Full time

    Make banking a Fifth Third better We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank. GENERAL FUNCTION: The Credit Analyst II is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing...

  • Credit Analyst II

    2 days ago

    Charlotte, United States Fifth Third Full time

    Make banking a Fifth Third better® We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank. GENERAL FUNCTION: The Credit Analyst II is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing...

  • Credit Analyst

    13 hours ago

    Charlotte, United States Farm Credit Council Full time

    We are seeking a Credit Analyst to join our Farm Credit family! This position serves current and prospective customers with sound agricultural credit according to Association policies and procedures. The Credit Analyst develops and analyzes all types of credit information for use by loan officers and loan committees in making lending decisions. They prepare...

  • HRIS Analyst II

    3 weeks ago

    Charlotte, United States Credit Karma Full time

    The HRIS Analyst II is responsible for ensuring the Human Resource Information System and other managed tools are meeting the needs of Credit Karma by administering, configuring, and providing creative solutions when needed. The HRIS Analyst II serves as a key resources and subject matter expert (SME) for the Workday system, focused on functional areas such...

  • Credit Officer Ii

    3 weeks ago

    Charlotte, United States City National Bank Full time

    Overview: **CREDIT OFFICER II - PBB** **WHAT IS THE OPPORTUNITY?** Participates in the loan management process by providing credit and loan underwriting expertise to a team of Personal & Business Banking Relationship Managers. Is client facing and manages all aspects of credit relationships for clients. Provides credit product expertise in an advisory...

  • Analyst - Commercial Real Estate Credit Delivery

    4 weeks ago

    Charlotte, North Carolina, United States Truist Full time

    The position is described below. If you want to apply, click the Apply Now button at the top or bottom of this page. After you click Apply Now and complete your application, you'll be invited to create a profile, which will let you see your application status and any communications. If you already have a profile with us, you can log in to check status.Need...

  • Analyst - Commercial Real Estate Credit Delivery

    4 weeks ago

    Charlotte, North Carolina, United States Truist Full time

    The position is described below. If you want to apply, click the Apply Now button at the top or bottom of this page. After you click Apply Now and complete your application, you'll be invited to create a profile, which will let you see your application status and any communications. If you already have a profile with us, you can log in to check status.Need...

  • Analyst - Commercial Real Estate Credit Delivery

    3 weeks ago

    Charlotte, North Carolina, United States Truist Full time

    The position is described below. If you want to apply, click the Apply Now button at the top or bottom of this page. After you click Apply Now and complete your application, you'll be invited to create a profile, which will let you see your application status and any communications. If you already have a profile with us, you can log in to check status.Need...

  • Credit Analyst

    2 months ago

    Charlotte, United States augmentjobs Full time

    Job DescriptionJob DescriptionJob Description:As a Credit Analyst, you will play a critical role in assessing the creditworthiness of individuals, businesses, or financial institutions seeking credit facilities or loans. Your responsibilities will include analyzing financial data, evaluating credit risk, preparing credit reports, and making recommendations...

  • Credit Analyst

    2 weeks ago

    Charlotte, United States augmentjobs Full time

    Job DescriptionJob DescriptionJob Description:As a Credit Analyst, you will play a critical role in assessing the creditworthiness of individuals, businesses, or financial institutions seeking credit facilities or loans. Your responsibilities will include analyzing financial data, evaluating credit risk, preparing credit reports, and making recommendations...

  • Credit Officer II

    4 weeks ago

    Charlotte, United States City National Bank Full time

    Overview: CREDIT OFFICER II - PBB WHAT IS THE OPPORTUNITY? Participates in the loan management process by providing credit and loan underwriting expertise to a team of Personal & Business Banking Relationship Managers. Is client facing and manages all aspects of credit relationships for clients. Provides credit product expertise in an advisory capacity and...

  • Senior Credit Analyst

    4 weeks ago

    Charlotte, United States Fifth Third Bank, N.A. Full time

    Fifth Third Bank, N.A. Senior Credit Analyst Charlotte , North Carolina Apply Now We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank. GENERAL FUNCTION: The Senior Credit Analyst is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of...

  • Senior Credit Analyst

    1 month ago

    Charlotte, United States Fifth Third Bank Full time

    Make banking a Fifth Third betterWe connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank. GENERAL FUNCTION: The Senior Credit Analyst is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing...

  • Commercial Credit Underwriter I-II

    1 month ago

    Charlotte, United States Merrill Full time

    Job Description:At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.One of the keys to driving Responsible Growth is being a great place to work for our...

  • Commercial Credit Underwriter I-II

    1 month ago

    Charlotte, North Carolina, United States Merrill Full time

    Job Description:At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.One of the keys to driving Responsible Growth is being a great place to work for our...

  • Commercial Credit Underwriter I-II

    3 weeks ago

    Charlotte, North Carolina, United States Merrill Full time

    Job Description:At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.One of the keys to driving Responsible Growth is being a great place to work for our...

  • Consumer Credit

    2 weeks ago

    Charlotte, United States Bank of America Full time

    What you'll do Enterprise Credit Analyst Program - 2025 Enterprise Credit overview The Enterprise Credit organization is an integrated credit underwriting, monitoring and product management organization managing credit for clients in the bank ’ s eight lines of business including consumers, companies, and institutions. To deliver seamlessly for our...