Commercial Credit Analyst

2 weeks ago


Cherry Hill, United States MRI Spokane Full time
Senior Credit Analyst

DEPARTMENT: Commercial Lending

REPORTS TO (Title): SVP/Portfolio Manager

This position reports directly to the SVP/Portfolio Manager and provides a high level of customer service support for commercial loans. This includes assisting assigned Commercial Lender(s) with ongoing management of their respective loan portfolio(s) and analyzing / underwriting new and existing loans through analysis of borrower's credit history and financial performance.

ESSENTIAL DUTIES AND RESPONSIBILITIES:
•Assist the SVP/Portfolio Manager in managing the credit analyst staff (Credit Analyst level I's and II's, Senior Credit Analysts, and Hybrid Senior Credit Analyst/Relationship Managers). This would include work flow assignments; loan application turnaround time management; provide technical underwriting guidance to Analysts/Lenders/BDO's when required; execute the development & implementation of formal annual review process within the Credit Department, including a tickler management process for the dunning & receipt of Borrower/Guarantor financial information.
•Obtains loan request information from assigned Commercial Lender or borrower to prepare cash flow analysis, analyze credit information, financial statements, tax returns and other related information pertaining to the loan.
•Supports assigned Commercial Lender(s) with the management and renewing of maturing existing commercial loan accounts. Responsible for the review of assigned future maturing loan reports, auditing borrower files for required updated information to consider loan renewal and supporting the Commercial Lender with customer contact. Assists Commercial Lender(s) in obtaining all necessary information for loan renewal processing.
•Reviews loan documentation, personal and business financial statements, and tax returns. Analyzes financial information and communicates with the Loan Officers throughout the process.
•Prepares written analysis, spreadsheets, strengths and risks analysis for each loan request.
•Assists assigned Commercial Lender in the loan structuring, gathering of borrower/guarantor/third party vendor information, and other pertinent application information to process the loan request and prepare approved commercial loans for settlement. This to including assisting the Commercial Lender(s) with the gathering of Pre-Closing information required to prepare loan documentation and meet approved closing conditions as outlined within the loan approval document ("Credit Authorization Memorandum").
•Identifies and communicates points of internal loan exposure on current loan requests, as well as

identifies exceptions to the Bank's policies.
•Accompanies Commercial Lenders on customer calls as needed/directed.
•Presents final written loan analyses to both assigned Commercial Lender and SVP/Portfolio Manager for final review and approval.
•May be asked to accompany Commercial Lender to the Bank's Officer Loan Committee for larger

loan requests/exposures.
•Work with the SVP/Portfolio Manager on special projects as assigned.
•Expected to work with a fair degree of independence in successfully managing and completing assigned workflow and tasks.
•Updates credit files (both physical files and the Bank's scanned files) with borrower/guarantor

financial information, spreads, and credit correspondence on an ongoing basis.
•Perform additional job duties as assigned.

JOB SPECIFICATIONS:

Knowledge, Skills and Abilities
•Strong knowledge of basic banking products, commercial lending products, and ability to match lending solutions with the borrowers.
•Knowledge of Commercial Real Estate Lending, Commercial & Industrial ("C&I") Lending, and Small Business Lending, including developing cash flow analyses, loan repayment structuring, financial ratio analysis, and identifying financial trends within the credit analysis function.
•Experience in analyzing the following: personal and corporate tax returns, rent roll and lease- track analysis, personal and corporate financial statements.
•Learning and training on the Bank's Core System and other related sub-systems in order to generate reports and analysis regarding existing assigned Commercial Lender loan accounts.
•Well-versed in preparing financial spreads for use in the loan decisioning process.

JOB TYPE: Full-Time EXPERIENCE
•Commercial credit analysis and underwriting: Minimum 5 years previous commercial loan and underwriting experience in a commercial bank. (required)

EDUCATION:
•Bachelor's Degree preferred

WORKING CONDITIONS/PHYSICAL REQUIREMENTS

While performing the duties of this job, the employee is regularly required to sit; use hands and talk or hear and remain in a stationary position for extended periods of time. The employee is required to stand; walk; reach with hands and arms. The employee must have the ability to verbally effectively communicate with staff, customers and groups. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception and ability to adjust focus. The employee must have the ability to stay alert and attentive at all times and operate a computer, phone and essential equipment as required. The noise level in the work environment is usually moderate.

EMPLOYMENT

As a condition of employment with Bank, any successful job applicant will be required to successfully complete a background investigation, which will also include a credit check.

Bank is an Equal Opportunity Employer

  • Cherry Hill, United States MRI Spokane Full time

    Senior Credit Analyst DEPARTMENT: Commercial Lending REPORTS TO (Title): SVP/Portfolio Manager This position reports directly to the SVP/Portfolio Manager and provides a high level of customer service support for commercial loans. This includes assisting assigned Commercial Lender(s) with ongoing management of their respective loan portfolio(s) and analyzing...


  • Cherry Hill, New Jersey, United States PNC Full time

    Position OverviewAt PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the...


  • Cherry Hill, United States Midas Tire & Auto Experts Full time

    Benefits: Competitive salary Employee discounts Health insurance Paid time off Summary: Direct financial activities, such as planning, payroll, vendor reconciliation, procurement and reporting for the organization. Duties and Responsibilities include the following. Other duties may be assigned. Prepare or direct completion of weekly Payroll and related...

  • Financial Analyst

    1 day ago


    Cherry Hill, United States Midas Tire & Auto Experts Full time

    Job DescriptionJob DescriptionBenefits:Competitive salaryEmployee discountsHealth insurancePaid time offSummary: Direct financial activities, such as planning, payroll, vendor reconciliation, procurement and reporting for the organization.Duties and Responsibilities include the following. Other duties may be assigned. Prepare or direct completion of weekly...

  • Finance Analyst

    2 weeks ago


    Oak Hill, United States Premise Health Full time

    Healthcare Without Rival Premise Health is the world's leading direct healthcare provider and one of the largest digital providers in the country, serving over 11 million eligible lives across more than 2,500 of the largest commercial and municipal employers in the U.S. Premise partners with its clients to offer fully connected care – in-person and in...

  • Finance Analyst

    2 weeks ago


    Spring Hill, United States Premise Health Full time

    Healthcare Without Rival Premise Health is the world's leading direct healthcare provider and one of the largest digital providers in the country, serving over 11 million eligible lives across more than 2,500 of the largest commercial and municipal employers in the U.S. Premise partners with its clients to offer fully connected care in-person and in the...

  • (Litigation Attorney)

    15 hours 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...

  • Business Analyst

    1 week ago


    Morgan Hill, United States BBSI Full time

    We are conducting a search for one of our clients, for a Business Analyst. My Client, with 20 years of history, prioritizes strong relationships with both customers and employees. Specializing in exterior commercial spaces, we handle various construction facets such as Design, Civil Engineering, Demolition, Grading, Concrete, Masonry, Landscape, Steel,...


  • Spring Hill, United States Premise Health Full time

    Healthcare Without Rival Premise Health is the world's leading direct healthcare provider and one of the largest digital providers in the country, serving over 11 million eligible lives across more than 2,500 of the largest commercial and municipal employers in the U.S. Premise partners with its clients to offer fully connected care – in-person and in...

  • Financial Analyst

    1 day ago


    Rock Hill, United States MKS Instruments Full time

    A Day in Your Life at MKS: (Summary & Objectives) As a Financial Analyst at Atotech, you will partner with the Global and Regional Business Analysis team with the purpose of providing in-depth analyses to the regional and divisional business for the decision making and supporting in streamlining and harmonizing processes. This role will provide support to...


  • Suitland-Silver Hill, United States Andrews Federal Credit Union Full time

    Job DetailsJob Location Headquarters - Suitland, MD Position Type Full Time Job Category Banking Description Are you ready for an exciting career in the financial services industry? If so, Andrews Federal is the place for you! Andrews Federal is a transformative, international financial institution, proud to serve our military and communities. Our top...


  • Chapel Hill, United States Bank of America Full time

    Description : This job is responsible for providing advice and valuable financial solutions to complex Business Banking clients and prospects. Key responsibilities include serving as the primary point of contact/trusted advisor and acquiring, deepening, and maintaining profitable relationships, collaborating with teammates and facilitating client...


  • Richmond Hill, United States Canadian Western Bank Full time

    At CWB, we strive to build value for the people who choose us every day: our people, our clients and our investors. We do this by: * Putting people first and building relationships with intention * Seeking out and embracing new ideas * Believing that how we do things is as important as what we do Associate, Program Finance Location: Toronto, ON|...


  • Morgan Hill, United States Anritsu Full time

    Anritsu is a provider of innovative communications test and measurement solutions. Anritsu engages customers as true partners to help develop wireless, optical, microwave/RF, and digital solutions for R&D, manufacturing, installation, and maintenance applications, as well as multidimensional service assurance solutions for network monitoring and...

  • Data Analyst I

    1 month ago


    Suitland-Silver Hill, United States Three Saints Bay, LLC Full time

    Ocean Bay, a subsidiary of Three Saints Bay, LLC, and a Federal Government Contractor industry leader, is seeking a Data Analyst I POSITION RESPONSIBILITIES: Maintain information in all MegaCenter systems to include but not limited to: Buildings: Validate/maintain information for all GSA provided through a reliable source (GSA building management,...

  • Server

    1 day ago


    Oxon Hill, United States Hyatt Place National Harbor Full time

    Nationally: $12.00 - $15.10 *Rate depends upon state/market and experience* OTO Development is pleased to announce a wonderful opportunity for a Server. **What will you be doing most days?** - Adhere to all sanitation, safety, and alcohol service protocol - Consistently hold a friendly, relaxing, and courteousness demeanor that makes guests feel...

  • Chefferie de Projet

    3 days ago


    Rose Hill, United States Orange Full time

    **votre rôle**: - Lead the analysis of client digitalization needs with sales and pre-sales teams (OB France) and propose the integration of appropriate digital and automated solutions, relying - on various expertise, particularly on the Enterprise Customer Space and My Service Space in direct relation with different Product Owners, Business Owners, API...

  • Physician Services

    1 day ago


    Rock Hill, United States Dymentum Health Full time

    SUBJECT:RFQ Title I-H-S FT Position/1099 Salary $115.00 per hr.Primary Care Physician Scope -Quals Catawba Service UnitDescriptionPhysician shall act as the attending Physician providing and managing patient care at the Catawba Service Unit The clinic operates in Rock Hill, SC. The services shall include but not limited to providing medical care for urgent,...

  • Claims Team Lead

    1 day ago


    Signal Hill, United States BCforward Full time

    Claims Team Lead - Workers Compensation BCforward is looking for Claims Team Lead - Workers Compensation at Long Beach, CA 90806Position Title: Claims Team Lead - Workers Compensation Location: Long Beach, CA 90806Expected Duration: 07+ months.Payrate: 60$/hr. Expected Start Date: 5/20/2024 Position Description Claims Team Lead - Workers' Compensation ...


  • Morgan Hill, United States EnPro Full time

    **Procurement Specialist/Buyer** **NxEdge** ** Procurement Specialist/Buyer** * 492857 * Boise, Idaho, United States * NxEdge * Finance * Operations * Supply Chain * Full-Time/Regular Job Title: **Procurement Specialist/Buyer** FLSA Status: **Non-Exempt** Location: **Boise, ID** NxEdge is seeking a Procurement Specialist/Buyer to assist with the purchases of...