Commercial Credit Risk Analyst

3 weeks ago


Iberville County LA, United States gpac Full time
Job Title: Commercial Credit Risk Analyst

Job Summary:
The Commercial Credit Risk Analyst will support the lenders in underwriting requests for credit extensions to new and existing commercial clients. This role involves performing detailed financial analysis for all lending opportunities, preparing credit approval and modification requests for presentation to Loan Committee by the lenders, and ensuring compliance with the Bank's credit policies and procedures.

Key Responsibilities:
  • Analyzes data (i.e. financial statements, agency reports) on prospective and active borrowing accounts and prepares written reports evaluating the short and long-term prospects of the individual or company.
  • Makes recommendations to Loan Officers on the granting or denying of loans and prepares sufficient information (i.e. loan submissions) to document recommendations.
  • Identifies and interprets trends in financial data, including key financial ratios (e.g. cash flow to debt service, debt-to-equity, etc.).
  • Provides thorough documentation of all financial analysis with via spreadsheets and written credit offering memorandums.
  • Suggests a loan grade after conducting a thorough credit analysis and documentation review.
  • Coordinates specific work tasks within the department to ensure the smooth and efficient flow of information.
  • Provides assigned reports.
  • Performs annual review of loan relationships.

Requirements:
  • Must have 2+ years experience in a bank as a Credit Analyst.
  • Must have Bachelors degree in Finance or Economics.

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