Commercial Credit Analyst II
1 week ago
CREDIT OFFICER II CB
WHAT IS THE OPPORTUNITY?
The role involves active participation in the loan management process, offering expertise in credit evaluation and loan underwriting to a Commercial Banking team. The candidate will assess potential loan transactions and the creditworthiness of borrowers. They will validate the credit analysis conducted by Credit Analysts and provide informed opinions and recommendations regarding proposed credit and associated risks. It is essential to ensure that all due diligence and background evaluations are comprehensive before submitting the Credit Risk Recommendation ("CRR").
At City National Bank, we believe in the principle that business is personal. Since our inception in 1954, we have consistently gone above and beyond to support our clients, colleagues, and community. Our legacy of integrity, community involvement, and exceptional client relationships continues to fuel our remarkable growth. City National is a proud subsidiary of the Royal Bank of Canada, a leading diversified financial services provider in North America.
Key Responsibilities
1. Review loan applications, financial data, and third-party reports (such as real estate appraisals, environmental assessments, and inventory evaluations); assess and determine credit structure and terms; thoroughly underwrite CRR in accordance with bank policies and procedures; analyze industry data, competitive factors, historical performance, projected outcomes, risks, and mitigating strategies. Ensure that the CRR includes a well-supported recommendation or decision, with accurate risk ratings and reliable data analytics.
2. Participate in client meetings at the request of the Relationship Manager, CBS Manager, or Credit Manager to facilitate the delivery of credit products and assist in resolving issues. Engage directly with borrowers for additional information regarding loan requests or to clarify financial documents.
3. Provide balanced and appropriate credit guidance to the Relationship Manager and Manager, collaborating on the development of effective credit strategies.
4. Suggest credit alternatives and innovative structuring methods to ensure transactions align with profitability and portfolio risk standards. Draft credit approval memoranda.
5. Offer insights to the Relationship Manager and Manager when loan pricing does not accurately reflect the inherent risks of the transaction. Adjust loans and/or lines of credit as necessary, taking responsibility for minimizing potential bank losses.
6. Conduct quarterly Problem Loan reporting for Criticized/Classified credits, including financial reviews of clients' conditions and monitoring of covenants. Take a proactive approach in developing and implementing Action Plans, escalating potential credit issues as needed.
7. Play a key role in the early identification of problem loans and ensure timely and accurate updates to loan grades. Monitor and respond to past dues in collaboration with the Relationship Manager.
8. Maintain current knowledge of all bank lending policies and regulations. Consult with the Credit Manager and relevant bank personnel regarding new and existing lending requirements.
9. May coordinate loan documentation, collaborating with legal counsel to secure accurate documents that protect the bank's interests in credit relationships. Regularly review collateral to minimize credit exposure.
Must-Have Qualifications
- A Bachelor's degree or equivalent experience.
- A minimum of 5 years of experience in underwriting medium-sized and moderately complex commercial loans.
- At least 5 years of experience in a banking or financial services environment.
Skills and Knowledge
- Comprehensive understanding of commercial credit policies and procedures.
- Extensive application of credit principles and concepts.
- Strong credit analysis and accounting skills, with effective communication abilities in both verbal and written forms.
- Excellent organizational skills.
- Ability to work independently and interact effectively with all levels of bank personnel and external contacts.
Compensation
The starting base salary is $75.42 per hour. Exact compensation may vary based on skills, experience, and location. This position is eligible for bonuses and/or commissions.
Benefits and Perks
At City National, we are committed to excellence in all aspects, including the benefits and perks we offer our colleagues.
INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT
City National Bank is an equal opportunity employer dedicated to diversity and inclusion. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other basis protected by law.
ABOUT CITY NATIONAL
We operate on the belief that business is personal. Since our founding, we have consistently gone the extra mile to support our clients, colleagues, and community. City National Bank was established in 1954 by entrepreneurs for entrepreneurs, and our legacy of integrity and community involvement continues to drive our exceptional growth. City National is a subsidiary of the Royal Bank of Canada, one of North America's leading diversified financial services companies.
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