Credit Analyst III

Credit Analyst III

The Credit Analyst III analyzes credit data to estimate the degree of risk involved in extending credit or lending money to firms or individuals. This position performs analysis on large and complex loans or relationships with a Region or Industry. The Credit Analyst III engages with Analyst I or II, as appropriate, to assist in the analysis of the credits or relationships and as directed by the Regional Credit Analysis Manager.

Essential Duties And Responsibilities include :

• Generate spreadsheets within the bank lending operating system (nCino) using financial statements presented by commercial lenders to find and review trends.
• Manage a schedule of which spreadsheets are prepared and returned to loan officers within a time period agreed upon in advance with each lender.
• Create spreadsheets designed to quantify borrower's personal, global, and real estate cash flows on an accurate and timely basis.
• Create narrative analysis of findings and recommendations for lenders.
• Facilitate and attend loan committee meetings when directed by management.
• Review outgoing analysis prepared by the Credit Analyst I and Credit Analyst II positions.
• Complete required BSA / AML training and other compliance training as assigned.
• The ability to work in a constant state of alertness and in a safe manner.
• Perform any other related duties as required or assigned.

Qualifications include :

Education and experience equivalent to a four year college degree, plus 5 years related experience and / or training, and 4 years related management experience, or equivalent combination of education and experience. Ability to read, analyze, and understand common scientific and technical journals, financial reports, and legal documents; ability to respond to complex or difficult inquiries or complaints from customers, regulatory agencies, or members of the business community. Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to solve practical problems and deal with a variety of known variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, or diagram formats.

Software Skills Required include : Advanced : 10-Key, Accounting, Spreadsheet, Word Processing / Typing. Intermediate : Alphanumeric Data Entry. Basic : Presentation / PowerPoint.

Working Conditions include normal office setting with controlled temperature and low noise level. The noise level in the work environment is usually moderate. While performing the functions of this job, the employee is frequently required to walk, sit, use hands to finger, handle, or feel, talk or hear; and occasionally required to reach with hands and arms, stoop, kneel, crouch, or crawl. The employee must occasionally lift and / or move up to 10 pounds. Specific vision abilities required by this job include close vision.

Additional Information includes : Five (5) or more years of related experience and / or training, Four (4) years related management experience with managing projects, systems and / or people, Analytically minded and possess good judgment. Ability to mentor others. Proficient in Microsoft Word and Excel.