Credit Analysis Officer

Loan Management Analyst

Under the direction of the Team Manager, participates in the loan management process by providing financial analytical skills and credit knowledge with a focus on C&I and Owner-Occupied Real Estate transactions to support a team of Relationship Managers. Analyzes prospective loan transactions and credit worthiness of borrowers and guarantors. Prepares financial and credit analysis to support opinions and recommendations regarding proposed credit and potential financial risks to the loan repayment sources. Ensures all due diligence, financial and background evaluation is complete and thorough on a loan request so credit approval can be considered.

Essential Functions:

• Prepare financial statement and global cash flow spreads for existing and new clients, evaluates cash flow that supports proposed credit structure analyzes industry data, competitive factors, historical performance, projected results, risks, and mitigating factors.
• At the direction of the Team Manager and/or in concert with the Relationship Manager, contact borrowers directly, as appropriate, for additional information and details related to loan requests or clarification of financial materials and resources.
• Prepare credit write-ups that include in depth financial analysis, an understanding of key ratios, trends and financial covenants.
• Review and evaluate collateral periodically to minimize credit risk.
• Maintain up-to-date knowledge on all Bank lending policies and regulations.
• Confer with the appropriate Bank personnel regarding new/existing lending requirements and regulations.
• Review risk grading as appropriate to credit analysis to identify potential credit issues.
• Escalate potential credit issues to Team Manager, Division Manager and Relationship Manager.

Qualifications:

• Education: College degree in Finance, Accounting, Business, Economics or related field preferred. MBA a plus. Some level of accounting coursework is required.
• Experience: Minimum 2-3 years of working experience in analyzing and underwriting varying levels of commercial credit (C&I or CRE transactions), which includes analyzing financial statements, cash flow analysis, familiarity with various industries, collateral issues and values, loan structuring and analysis of guarantor personal financial statements and tax returns.
• Working knowledge of credit, accounting, credit procedures and financial statement analysis.
• Skills/Ability: Good knowledge of commercial credit policies and procedures. Excellent organizational and analytical skills. Good verbal and written communication skills to present clear and precise recommendations based upon analysis of a loan structure and request. Ability to work independently, in a team, and interact effectively with Bank team members and outside contacts. Proficient in Microsoft Office (Word, Excel, and Outlook) and financial spreading program, nCino (or CASH).

Other Details:

$26.44 $31.25 / hour Pay determined based on job-related knowledge, skills, experience, and location. This position may be eligible for a discretionary bonus.