Commercial Credit Analyst

5 days ago


Chattanooga, Tennessee, United States First Volunteer Full time
Commercial Credit Analyst

At First Volunteer, we are seeking a highly skilled Commercial Credit Analyst to join our team. As a Commercial Credit Analyst, you will play a critical role in working with our Credit Officers and Commercial Banking Advisers to underwrite and document approvals for new and existing credit requests.

Key Responsibilities:
  • Preparation of Credit Memos: Prepare detailed credit memos complete with a thorough analysis of repayment sources, collateral analysis, and well-supported risk rating recommendations.
  • Financial Statement Analysis: Prepare financial statement spreads using designated software products and templates after receipt of a financial package and initial loan request.
  • Loan Policy and Procedure Knowledge: Maintain full knowledge of loan policies and procedures and use this knowledge in the preparation of credit analysis packages.
  • Collaboration and Communication: Participate in and contribute to discussions on terms, structure, and viability of various loan requests with the underwriting team.
  • Loan Servicing: Perform periodic servicing on material and problem relationships assigned.
  • Reporting and Analysis: Manage various reports involving loan portfolio segments, concentrations, or areas of interest.
Requirements:
  • Experience: 3 years of solid experience in financial analysis, structuring, and underwriting.
  • Skills: Demonstrated understanding of commercial C&I and commercial real estate loan products, loan terms, and repayment plans.
  • Software Familiarity: Familiarity with Loan Vantage as a software application is helpful.

First Volunteer is an Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities. We are committed to providing a fair and inclusive work environment for all employees and applicants.



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