COMMERCIAL CREDIT ANALYST-CORPORATE FL
2 weeks ago
Position Summary:
The Corporate Banking Credit Analyst primarily focuses on credit analysis, underwriting and ongoing review of the following types of loans: Corporate, Middle Market, Project Finance, & Commercial Real Estate. Ability to be a team player, as well as communicate and collaborate with Lending Officers, Credit Officers and Committee members. Strive to achieve an outstanding level of customer service in accordance to Bank's standards and competencies.
Essential Functions:
- Responsible for the underwriting and credit analysis of Corporate, Middle Market, Project Finance, & Commercial Real-Estate loans, to determine feasibility and credit risk of granting loans.
- Prepares Green light and Credit Approval Memorandums (CAM'S) for presentation to applicable approval authority committee. CAMs will be for existing loans, new potential loans, Annual Reviews (to be completed on time), waivers, amendments, and others as required.
- Underwrite and analyze loans by evaluating and reviewing loan information, including but not limited to financial statements, financial models, lender presentations/decks, public filings, data rooms, diligence reports, appraisal reports, and other related loan information and supporting documentation.
- Ensure that the loan package complies with credit, underwriting standards and lending/credit policies.
- Pro-actively anticipate questions/topics that credit committee members will likely focus on, sufficiently address those topics with the Relationship Manager and include in the credit documents, and be prepared and ready to address/discuss those points at committee if needed.
- Present the loan file to the Corporate Banking Department and to Credit Department for discussion and conclusion including the department recommendation to Management and/or credit committee. The Credit Analyst must inform the corporate banking team and Credit team of any material risk factor, discrepancy or deviation discovered during the preparation and/or review of the CAM, its underwriting, credit analysis and due diligence.
- Maintains continuous contact with RM's, Agent Bank and customers as needed to provide information on transaction status, discrepancies and resolve problems, concerns/doubts.
- Assist the Corporate Banking Department concerning loan policies and procedures, quality control matters, loan review, and underwriting.
- Assist in the preparation of Corporate Banking presentations.
- Assisting in monitoring the financial performance of the portfolio, completing waivers and amendments, assisting with quarterly and other reporting.
Participate in Corporate Banking pipeline meetings.
- Participate in the sourcing of new deals received from banks or customers.
- Manage to meet internal and client deadlines.
- Customer focus
- Quality
- Building strong relations
- Communication
- Business acumen
- Problem analysis & solution
- Ownership, Vision & values
- Collaboration & teamwork
- Development (personal & others)
Supervisory Responsibilities: This position has no supervisory responsibilities.
Work Environment:
- Work is performed in a bank environment. Employees are exposed to external elements when representing the corporation at external events and may be required to work extended hours, including holidays, should these coincide with company events.
- The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
- While performing the duties of this job, the employee is regularly required to sit, stand, walk and/or maneuver around the office.
- Ability to lift and/or move up to 10 pounds.
- Minimum of two years in banking environment and/or credit field
- Strong knowledge of Microsoft Office Suite and proficient at typing
- Understanding of financial information and loan documentation
- Must be able to work a flexible working schedule
- Good communication skills and attention to details
- Bachelor's degree in Finance/Business Administration or related field
Other Duties Disclaimer:
Please note this position profile is not designed to cover or include a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
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