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Junior Credit Analyst
2 months ago
Junior Credit Analyst - Renewable Energy Financing
WHAT IS THE ROLE?
This position plays a crucial role in the loan management cycle by offering expertise in credit assessment and loan underwriting within the cash flow lending and leveraged finance division of Specialty Banking. The role involves evaluating potential loan transactions and assessing the creditworthiness of borrowers. It is essential to verify the credit evaluations conducted by Credit Analysts and provide insights and recommendations concerning proposed credit and associated risks. A thorough due diligence process must be completed prior to submitting the Credit Risk Recommendation ("CRR").
Key Responsibilities
1. Analyze loan applications, historical financial data, cash flow forecasts, and third-party reports (e.g., Quality of Earnings Reports, Environmental assessments, industry analyses); assess and establish credit structures and terms; conduct comprehensive underwriting of CRR in line with Bank policies and formats; identify sources and uses of funds; evaluate industry metrics, competitive dynamics, historical performance, anticipated outcomes, risks, and mitigating strategies. Ensure that the CRR includes a well-supported recommendation or decision, accurate risk ratings, and reliable data and analytics.
2. Participate in client discussions at the request of the Relationship Manager, Team Manager, or Credit Manager to facilitate the delivery of credit solutions and assist in resolving issues. Engage directly with borrowers for additional information and clarification regarding loan requests or financial documentation.
3. Offer balanced and sound credit advice to the Relationship Manager and Manager, collaborating to determine the most suitable credit strategy.
4. Suggest credit alternatives and innovative structures to ensure transactions align with profitability and portfolio risk standards. Draft credit approval memoranda.
5. Provide feedback to the Relationship Manager and Credit 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 losses for the Bank.
6. Conduct quarterly Problem Loan reporting for Criticized/Classified credits, including financial assessments of clients' conditions and monitoring of covenants. Proactively develop and implement Action Plans, escalating potential credit concerns to the Relationship Manager, Team Manager, and/or Credit Manager.
7. Take a leading role in the early identification of problem loans and ensure timely and accurate adjustments in loan grades. Monitor and respond to overdue accounts 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 and regulations.
9. May oversee loan documentation processes, collaborating with legal counsel to ensure all loans are documented correctly to safeguard the Bank's interests in the credit relationship. Regularly review collateral to mitigate credit exposure.
10. Contribute to the training and development of Credit Analysts on the team, focusing on financial statement analysis, business writing, cash flow modeling, and enterprise valuation.
Qualifications
1. Bachelor's Degree or equivalent experience.
2. At least 3 years of experience in underwriting small cash flow loans.
3. Minimum 3 years of experience in a banking or financial services setting.
Skills and Knowledge
1. A degree in Business Administration or a related field is preferred.
2. An MBA is advantageous.
3. Strong verbal and written communication skills.
4. Excellent organizational abilities.
5. Capacity to work independently and collaboratively, effectively interacting with all levels of Bank personnel and external contacts.
6. Frequent application of leveraged lending credit policies and procedures.
7. Proficient credit analysis and accounting skills.
Compensation
Starting base salary: $66.81 per hour. Actual 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 provide to our colleagues.
Diversity and Inclusion
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
Founded in 1954 by entrepreneurs for entrepreneurs, City National Bank has always prioritized personal relationships. Our commitment to integrity, community, and exceptional client relationships continues to drive our growth and success.
