Commercial Credit Risk Analyst

4 days ago


Charlotte, North Carolina, United States Park National Bank Full time
Job Summary

We are seeking a highly skilled Commercial Credit Analyst II to join our team at Park National Bank. As a key member of our credit team, you will be responsible for analyzing credit risk and making informed decisions to support our business growth.

Key Responsibilities
  • Credit Risk Analysis: Soundly apply the bank's credit culture and credit policies to ensure accurate representation of credit risk in loan requests.
  • Underwriting: Independently complete underwriting in accordance with current regulations, compliance terms, bank policy, and legal requirements.
  • Loan Review: Proactively assist Commercial Lenders in portfolio management functions, including loan review preparation and regulatory examinations.
  • Financial Analysis: Develop and analyze financial statements, tax returns, and proformas to identify potential credit risk and mitigate losses.
  • Customer Communication: Prepare customer communication on behalf of the Commercial Lender and handle simple loan closings.
  • Team Collaboration: Assist Commercial Lenders with presenting loan requests to approvers, Senior Lenders, and Loan Committee as needed.
Requirements
  • Education: Bachelor's degree in a business field, preferably finance or accounting.
  • Experience: At least five years of relevant experience in credit analysis or a related field.
  • Skills: Strong analytical and problem-solving skills, excellent communication and interpersonal skills, and ability to work in a team environment.
Working Conditions

This position requires a minimum of 40 hours per week and may involve travel to customers and prospects. The position is eligible for a flexible work arrangement with the opportunity to work both in office and remotely.



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