Overview

CREDIT ANALYST - COMMERCIALWe are looking for someone to join as a credit analyst supporting our commercial lending teams. Are you looking to join a supportive team that can provide you a long-term runway for your career in banking? Then, this position is right for you!POSITION SUMMARY: The primary objective of a Commercial Credit Analyst is to assist the Commercial Lending team in protecting the financial assets of the company. The desired candidate will use independent judgement and discretion to investigate credit requests, coordinate credit reviews, and manage credit risk within the portfolio.THIS ROLE IS ACCOUNTABLE FOR:Analyzing financial data of clients/prospectsPreparing loan reviews/presentation on clients/prospectsAssisting in the sales processCredit risk monitoring supportAccountability/ResponsibilitiesAnalyzing financial data of clients/prospects - 30%Analyze client financial data, such as financial statements, financial ratios, credit reports, third party-sources, and other relevant data to assess credit worthiness.Provide accurate information and sound judgments regarding commercial clients' credit-worthiness to Relationship Managers and decision-makers.Monitor current status and problems of assigned accounts. Bring significant problems to attention of the account officer and other relevant parties with recommendations for action.Assist with administration of financial statement tracking software.Preparing loan reviews/presentation on clients/prospects - 30%Proactively communicates with Relationship Managers and clients to obtain all information necessary to effectively complete annual reviews and renewals on time.Underwrite and present credit presentations while adhering to the bank's credit policies and guidelines.Support the credit department in planning and coordinating the commercial loan review and risk rating processes.Assist with preparation and execution of facility documentation.Provide assistance in the general administration of the commercial loan portfolio and proactively seek out and drive process improvements.Assisting in the sales process - 25%Perform pre-call industry and company research and assists in the sales process.Assist the Relationship Managers in ensuring CRM is updated for clients and prospects.Attend and participate in prospect meetings with Relationship Managers to help evaluate the credit worthiness of the business.Credit risk monitoring support - 15%Support the credit department in the preparation of reports on the quality and trends for both the commercial loan portfolio.Monitor the current status and potential risk elements of existing clients, communicate with clients to resolve issues, and bring significant items to the attention of the Relationship Manager with recommendations for action.Recommend continuous improvement to the bank's credit monitoring and reporting mechanisms.Team Accountabilities:Delighting my customersGiving my allCreating a great place to workMaking improvementsKeeping us compliantSupervisionThis role does not have supervisory or other work direction responsibility over other employees.OTHER DUTIESPlease note this job description is not designed to cover or contain 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.EDUCATION, EXPERIENCE AND SKILLSBachelor's degree in finance, accounting or related discipline1-3 years of experience preferredPrevious banking or financial services experience strongly preferred Proficient in MS Office products, particularly ExcelWorkload Management - Ability to effectively manage multiple projects and deadlinesInterpersonal Skills - Ability to establish and cultivate trusting professional working relationships,Communication - Ability to express ideas and opinions clearly and directly, both verbally and in writingAnalytical Skills - Ability to collect and analyze data, draw sound co