Commercial Credit Analyst

3 days ago


Chicago, United States Albany Bank & Trust Co NA (Albank) Full time

Job Description:

Seeking motivated banking professional or a candidate with a desire to learn commercial banking with strong interpersonal skills with a willingness to work diligently preparing loan presentations and completing thorough reviews of customer files. The position would include working on both C&I and Commercial Real Estate relationships, analyzing the overall loan portfolio and providing assistance to account officers to manage existing and new customer relationships. The analyst would also be given a loan portfolio of customers to manage.

Job Responsibilities/Skills:

  • Extract data from financial documents to provide accurate cash flow analysis and commentary
  • Identify, evaluate, and mitigate credit risk of the loan portfolio
  • Assess credit quality with risk rating recommendations
  • Prepare loan presentations of a high quality for review in loan committee
  • Assist with determining collateral values and assist account officers with collateral inspections
  • Assist in credit administration duties including the tracking of ticklers and financial reporting covenants
  • Ensure compliance with bank, state, and federal policies, procedures, laws and regulations
  • Work with account officers to contact customers and accountants to gather required information and answer questions pertinent to complete credit requests
  • Manage loan and portfolio quality of an existing book of business

Job Qualifications:

  • Bachelor Degree in Finance, Accounting or related field
  • 0-5 + Years of commercial underwriting experience. An emphasis in commercial real estate is a plus
  • Excellent verbal and written communication skills
  • Strong analytic and reasoning skills
  • Ability to identify and resolve problems in a timely manner
  • Strong Microsoft Excel skills


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