Commercial Credit Analyst

3 days ago

Charlotte, NC, United States Carter Bank and Trust Full time
SUMMARY:

The Commercial Credit Analyst analyzes complex commercial relationships mainly in the area of Commercial & Industrial and Investment Real Estate relationships. As the associate progresses in learning objectives, the Commercial Credit Analyst will underwrite complex commercial relationships, including evaluating compliance with underwriting policies and guidelines and working directly with lenders to author Credit Memorandums. Analysis includes, but is not limited to, the financial condition of the borrower, likelihood of achieving projections, relevant market and industry data, evaluation of repayment capacity, and complex individual tax returns. The Commercial Credit Analyst interacts with a variety of professionals and represents the bank in interactions with bank clients and other professionals, including client-facing responsibilities.

ESSENTIAL JOB FUNCTIONS:
  • Works independently on moderate to complex financial analysis with guidance from members of the credit leadership team and Commercial Underwriters
  • Underwrites commercial loan relationships within established service levels
  • Independently constructs financial models and performs financial analysis, including but not limited to, repayment capacity, discounted cash flows, and enterprise valuation
  • Identifies underwriting policy and guideline exceptions using working knowledge of established policies and procedures
  • Identifies key credit strengths and weaknesses and appropriate mitigating factors
  • Maintains working knowledge of best practice and regulatory issues
  • Assists in the preparation of Industry Studies as assigned that include, but are not limited to, i) a review of the regional and national markets, ii) analysis of the performance of the bank's portfolio, iii) analysis of the financial stability of the industry and key risks, iv) recommendation to senior and executive management regarding segment limits which ultimately are presented to the bank's board of directors for approval
  • May be asked to participate in internal or cross-functional process improvement projects and other management reports
  • May be asked to participate in or lead the validation of various reports and industry information
JOB REQUIREMENTS:
  • Bachelor's degree in Finance, Accounting, or Economics with sufficient credits in Accounting
  • Demonstrates an understanding of credit management, credit operations, and commercial lending
KNOWLEDGE/SKILLS REQUIRED:
  • Excellent customer service skills
  • Excellent business writing skills
  • Strong verbal and written communication skills
  • Excellent interpersonal skills
  • High level of attention to detail, with strong problem solving & organizational skills
  • Ability to perform effectively in fast-paced environment
  • Working Knowledge of Microsoft Office, especially Word, Excel
PHYSICAL AND MENTAL QUALIFICATIONS:
  • Standing, walking, bending and stooping required
  • Must be able to sit at a desk for long periods of time and use a computer
  • Must be able to occasionally move or lift up to 10 pounds
  • May be asked to work supplemental hours periodically
  • Limited travel required occasionally during and after business hours


The above statements are intended to describe the general nature and level of work being performed by the incumbent assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and/or skills required of all personnel so classified.

NOT A CONTRACT

  • Senior Credit Analyst

    2 weeks ago

    Charlotte, NC, United States Commercial Credit Group Full time

    Senior Credit Analyst Charlotte, NC Commercial Credit Group Inc (CCG) is an independent national commercial equipment finance and leasing company focused on purchase money and refinance transactions in the construction, fleet transportation, waste/environmental and machine tool industries. CCG does equipment financing different than any other lender. We...

  • Senior Credit Analyst

    6 days ago

    Charlotte, NC, United States Commercial Credit Group Full time

    Senior Credit Analyst Charlotte, NC Commercial Credit Group Inc (CCG) is an independent national commercial equipment finance and leasing company focused on purchase money and refinance transactions in the construction, fleet transportation, waste/environmental and machine tool industries. CCG does equipment financing different than any other lender. We...

  • Senior Credit Analyst

    1 week ago

    Charlotte, NC, United States Commercial Credit Group Full time

    Senior Credit Analyst Charlotte, NC Commercial Credit Group Inc (CCG) is an independent national commercial equipment finance and leasing company focused on purchase money and refinance transactions in the construction, fleet transportation, waste/environmental and machine tool industries. CCG does equipment financing different than any other lender. We...

  • Senior Credit Analyst

    6 days ago

    Charlotte, NC, United States Commercial Credit Group Full time

    Senior Credit Analyst Charlotte, NC Commercial Credit Group Inc (CCG) is an independent national commercial equipment finance and leasing company focused on purchase money and refinance transactions in the construction, fleet transportation, waste/environmental and machine tool industries. CCG does equipment financing different than any other lender. We...

  • Sr. Credit Risk Review Analyst

    3 days ago

    Charlotte, NC, United States Jamie Grayem Full time

    Sr. Credit Risk Review Analyst - Commercial Lending Charlotte, NC $125,000 to $175,000+ Full benefits package Bonus + Paid Relocation Assistance Join our highly skilled Credit Risk Review (CRR) team as a Senior Credit Risk Review Analyst specializing in Commercial Lending. CRR's primary objective is to provide timely and independent assessments of credit...

  • Sr. Credit Risk Review Analyst

    2 weeks ago

    Charlotte, NC, United States International Staff Consulting Full time

    Sr. Credit Risk Review Analyst - Commercial Lending Charlotte, NC $125,000 to $175,000+ Full benefits package Bonus + Paid Relocation Assistance Join our highly skilled Credit Risk Review (CRR) team as a Senior Credit Risk Review Analyst specializing in Commercial Lending. CRR's primary objective is to provide timely and independent assessments of credit...

  • Sr. Credit Risk Review Analyst

    2 weeks ago

    Charlotte, NC, United States International Staff Consulting Full time

    Sr. Credit Risk Review Analyst - Commercial Lending Charlotte, NC $125,000 to $175,000+ Full benefits package Bonus + Paid Relocation Assistance Join our highly skilled Credit Risk Review (CRR) team as a Senior Credit Risk Review Analyst specializing in Commercial Lending. CRR's primary objective is to provide timely and independent assessments of credit...

  • Sr. Credit Risk Review Analyst

    5 days ago

    Charlotte, NC, United States International Staff Consulting Full time

    Sr. Credit Risk Review Analyst - Commercial Lending Charlotte, NC $125,000 to $175,000+ Full benefits package Bonus + Paid Relocation Assistance Join our highly skilled Credit Risk Review (CRR) team as a Senior Credit Risk Review Analyst specializing in Commercial Lending. CRR's primary objective is to provide timely and independent assessments of credit...

  • Commercial Leveraged Credit Products Analyst

    2 days ago

    Charlotte, NC, United States Regions Bank Full time

    Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed,...

  • Commercial Leveraged Credit Products Analyst

    3 days ago

    Charlotte, NC, United States Regions Bank Full time

    Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed,...