Credit Risk Analyst

6 days ago


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

Trustar Bank is a community bank that serves the banking needs of businesses and individuals in the greater metropolitan Washington DC area.

We are a team of experienced bankers, investors, and business professionals who are passionate about providing exceptional financial services to our customers.

As a Credit Analyst at Trustar Bank, you will play a critical role in assessing customer credit and risk in connection with commercial loans.

Key Responsibilities:
  • Participate in pre-credit discussions and analyze financial statements, tax returns, and other necessary business records.
  • Develop and perform information needs assessments and identify all documents and information necessary to conduct a thorough credit and risk review and analysis.
  • Review and analyze financial statements, tax returns, and other necessary business records, prepare projections, and perform sensitivity analyses.
  • Conduct credit, financial, and industry analysis, and structure loans or review and/or recommend structure, terms, and pricing for commercial loans.
  • Identify and evaluate risks and mitigates, and make 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 that loan documentation and financial information is properly maintained and collected from customers.
  • Order and review property appraisals to properly 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 both commercial and real estate credit analysis.
  • Thorough understanding of financial accounting, loan structuring, legal, compliance, and market risk-related issues involved in the approval of credit.
  • Interpersonal skills, ability to prioritize multiple tasks, and ability to work independently.
  • Excellent written and verbal communication skills, and proficiency in MS Office (Word and Excel).

We offer a competitive salary, 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 welcome applications from diverse candidates. Please note that this is an in-office position and a professional environment.


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