Commercial Credit Analyst

6 days ago

Fargo, North Dakota, United States Choice Bank Full time
Job Summary

We are seeking a highly skilled Commercial Credit Analyst to join our team at Choice Bank. As a key member of our lending team, you will be responsible for analyzing creditworthiness of commercial banking customers and providing sound opinions on credit structures, terms, and risk ratings.

Key Responsibilities
  • Conduct thorough financial analysis of commercial clients using various software applications and credit reporting agencies.
  • Qualify and validate financial information to ensure accurate credit decision making.
  • Collaborate with Lending Officers to recommend loan structures that minimize credit risk to the Bank.
  • Monitor financial covenants and work with Lending Officers to formulate default waivers.
  • Ensure relationships are appropriately risk-rated during the underwriting process and recommend risk rating changes to the Loan Officer in a timely manner.
  • Participate in customer calls with Lending Officers as requested and/or time permits.
  • Provide knowledgeable, well-articulated responses to questions received in credit committee meetings.
  • Prioritize workload with minimal supervision to serve the needs of the Lending Officer and Bank's clients.
  • Review and articulate findings within third-party collateral reports to the Lending Officer and/or Credit Analyst Manager.
  • Engage third-party collateral evaluations.
  • Identify policy exceptions and variances throughout the underwriting process and articulate these exceptions within the written credit action.
  • Conduct customer file maintenance when necessary, transferring financial-related data and third-party collateral reports into the bank's document imaging system.
  • Complete approved risk rating changes.
Additional Responsibilities
  • Develop knowledge on SBA loan products, including policy and procedures.
  • Attend general credit analysis training provided by Credit Analyst Manager, as well as RMA or MBA classes.
  • Comply with responsibilities related to the Bank Secrecy Act (BSA), Anti-Money Laundering Act (AML), Patriot Act, and Office of Foreign Assets Control Regulations (OFAC).
  • Consult with customers as needed to verify financial and credit transactions.
  • Track specified credits from a technical aspect.
  • This position may require travel to various Choice Bank offices and customer locations to complete various functions, including but not limited to inspections.
  • Perform duties outside normal scope as assigned.
  • Complete special projects as assigned.
Requirements
  • Leads as a team player with excellent interpersonal skills.
  • Possesses excellent written and oral communication skills.
  • Promotes and administers change and accepts diversity.
  • Exhibits problem-solving and decision-making skills and fosters open communication.
  • Proficient in computer skills, including Microsoft Office (Word, Excel, Web Equity).
  • Displays consistent, detailed, and strong organizational skills.
  • Uses sound judgment in prioritizing tasks to work under tight deadlines.

Choice Bank is an Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities. We are committed to providing a diverse and inclusive work environment.

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