Senior Commercial Credit Analyst

4 weeks ago

Dickinson, North Dakota, United States gpac Full time
Job Title: Commercial Credit Analyst

Job Summary:
The Commercial Credit Analyst will support the lenders in underwriting requests for credit extensions to new and existing commercial loan clients. The ideal candidate will perform detailed financial analysis for all lending opportunities, prepare credit approval and modification requests for presentation to loan committee by the lenders, and perform annual credit reviews as needed. As a credit analyst, you will ensure compliance with the organization's credit policies and procedures, timely collection and spreading of interim and annual financial statements provided by clients, and update financial information to maintain current reporting.

Key Responsibilities:
  • Analyzes data (i.e. financial statements, agency reports) on prospective and active borrowing accounts and prepares written reports evaluating the short and long-term prospects of the individual or company.
  • Makes recommendations to Loan Officers on the granting or denying of loans and prepares sufficient information (i.e. loan submissions) to document recommendations.
  • Identifies and interprets trends in financial data. Interprets key financial ratios (e.g. cash flow to debt service, debt-to-equity, etc.)
  • Provides thorough documentation of all financial analysis via spreadsheets and written credit offering memorandums.
  • Suggests a loan grade after conducting a thorough credit analysis and documentation review.
  • Coordinates specific work tasks within the department in order to ensure the smooth and efficient flow of information.
  • Provides assigned reports.
  • Performs annual review of loan relationships.
  • Must have 2+ years experience in a bank/credit union as a Credit Analyst.
Benefits:
  • Competitive compensation package
  • Great benefits package including: generous PTO, health, dental, vision, automatic 401(k) % contribution
  • Opportunity for advancement and leadership roles

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