Commercial Credit Analyst Level II

Position: Commercial Credit Analyst Level II

Department: Credit Administration

Reports to: Commercial Credit Department Manager

Supervises: None

Status: Full-Time / Exempt / Hybrid

Note: Must already be authorized to work in the United States. Relocation is not provided.

About Us: Partners Bank is a rapidly growing community bank dedicated to providing exceptional service. We prioritize our employees' needs by offering competitive compensation, comprehensive benefits, and flexible work schedules where appropriate.

Position Summary:

• Evaluate the financial status of individuals and businesses seeking credit from Partners Bank.
• Support the appraisal and evaluation process associated with commercial loans.

Key Qualifications:

• Bachelor's degree in Business Administration, Accounting, Economics, Finance, or equivalent experience (2-5 years of relevant coursework and commercial credit analysis).
• Strong financial analytical skills and experience with credit assessment systems (2-5 years preferred).
• Ability to independently gather and analyze data to make informed recommendations on commercial credit relationships.
• Capability to handle multiple analytical tasks with consistent quality and attention to detail.
• Exceptional verbal and written communication skills.
• Proficiency in Microsoft Word and Excel, with strong typing abilities.
• Strong time management skills and ability to meet deadlines.

Essential Functions:

• Analyze loan data for new, renewal, and existing loans from credit bureaus and other institutions.
• Conduct independent assessments of various commercial loan requests in a timely manner.
• Review and analyze loan requests of varying complexity based on specific experience.
• Know and apply the bank's commercial loan policy, recognizing any deviations.
• Understand alternative methods for mitigating credit risk.
• Create comprehensive written analyses for each credit request, including a background summary, management analysis, financial evaluations, cash flow assessments, collateral review, and risk appraisal.
• Handle more complex loan requests, which may involve intricate organizational structures or unique industries.
• Work autonomously with limited supervision, exercising un-reviewed credit decision-making as necessary.
• Regularly establish, review, and update loan files for the bank.
• Provide expertise and assistance on projects within the Commercial Loan/Commercial Credit Department.
• Coordinate with appraisers and evaluators for commercial loans.
• Ensure compliance of appraisals with USPAP and related regulations.
• Assist with the monitoring and reporting of loan loss reserves and credit concentration.

This job description outlines the essential functions and qualifications for the position of Commercial Credit Analyst Level II. It does not serve as an exhaustive list of all duties or responsibilities and may be subject to modifications for reasonable accommodations. This document does not constitute a contract.