Credit Risk Analyst

2 days ago


Bloomington, Illinois, United States Trustar Bank Full time
Job Title: Credit Analyst

We are seeking an experienced Credit Analyst to join our team at Trustar Bank. As a Credit Analyst, you will be responsible for analyzing business and financial records to assess credit risk and make recommendations on commercial loan decisions.

Key Responsibilities:
  • Analyze financial statements, tax returns, and other business records to assess credit risk and make recommendations on commercial loan decisions.
  • Develop and perform information needs assessments to identify necessary documents and information for credit reviews.
  • Underwrite commercial loans, reviewing and analyzing financial statements, tax returns, and other necessary business records.
  • Conduct credit, financial, and industry analysis to determine credit risk and make recommendations on loan approvals.
  • Structure loans or review and recommend structure, terms, and pricing for commercial loans.
  • Identify and evaluate risks and mitigates, making determinations and recommendations on credit risk grade.
  • Monitor borrowing base/covenant compliance and approve advance requests on Line of Credit.
  • Partner with Loan Officers to ensure loan documentation and financial information is properly maintained and collected from customers.
  • Order and review property appraisals to evaluate collateral value for transactions under consideration.
Requirements:
  • Bachelor's Degree in Business Administration, Finance, or related field.
  • Minimum three to five (3-5) years of experience in commercial and real estate credit analysis.
  • Thorough understanding of financial accounting, loan structuring, legal, compliance, and market risk related issues involved in credit approval.
  • Interpersonal skills, ability to prioritize multiple tasks, and work independently.
  • Excellent written and verbal communication skills, proficiency in MS Office (Word and Excel).
About Trustar Bank:

Trustar Bank is a community bank serving the greater metropolitan Washington DC area. We are proud to have celebrated our 5th Anniversary and continue to grow. We offer a fast-paced environment, an all-star team, and an outstanding benefits package, including a NO Deductible health care plan, a strong 401(k) with discretionary company match, LifeLock premier for all employees, and a generous PTO plan.

We are an equal opportunity employer and an in-office position. If you are a motivated and detail-oriented individual with a passion for credit analysis, we encourage you to apply for this exciting opportunity.



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