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Commercial Credit Analyst - job 1 of 25

POSITION SUMMARY: The Commercial Credit Analyst will support the lenders in underwriting requests for credit extensions to new and existing commercial loan clients. The right credit analyst will perform detailed financial analysis for all lending opportunities, prepare credit approval and modification requests for presentation to loan committee by the lenders, perform annual credit reviews as needed. As a credit analyst you will ensure compliance with the organization's credit policies and procedures, timely collection and spreading of interim and annual financial statements provided by clients, and update financial information to maintain current reporting.PRIMARY RESPONSIBILITIES:• Analyses data (i.e. financial statements, agency reports) on prospective and active borrowing accounts and prepares written reports evaluating the short and long-term prospects of the individual or company.• Makes recommendations to Loan Officers on the granting or denying of loans and prepares sufficient information (i.e. loan submissions) to document recommendations.• Identify and interpret trends in financial data. Interpret key financial ratios (e.g. cash flow to debt service, debt-to-equity, etc.)• Provides thorough documentation of all financial analysis via spreadsheets and written credit offering memorandums.• Suggests a loan grade after conducting a thorough credit analysis and documentation review.• Coordinates specific work tasks within the department in order to ensure the smooth and efficient flow of information.• Provides assigned reports.• Performs annual review of loan relationships.• Must have 2+ years experience in a bank/credit union as a Credit Analyst.BENEFITS:• Competitive compensation package• Great benefits package including: generous PTO, health, dental, vision, automatic 401(k) % contribution• Opportunity for advancement and leadership rolesContact your local North Dakota banking recruiter, Joe Albert to learn more about this Commercial Credit Analyst position and other banking opportunities throughout the state.Joe AlbertSenior Search Consultant | gpacTo be considered, please apply with a resume. You can email me directly at: joe.albert@gogpac.comFollow me on Linkedin: Joe Albert

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Average salary estimate

$70000 / YEARLY (est.)

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$60000K

$80000K

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What You Should Know About Commercial Credit Analyst, gpac

Are you ready to take your finance skills to the next level? If so, the Commercial Credit Analyst position at our thriving Dickinson, ND office could be your perfect match! In this role, you will lend your expertise to the lenders by underwriting commercial loan requests, diving deep into the financial data of new and existing clients. Your day-to-day tasks will center around detailed financial analysis, where you will evaluate the performance and potential of various commercial accounts. You'll be responsible for crafting comprehensive credit approval submissions to present to the loan committee, ensuring that our clients’ needs align with our credit policies. With at least two years of experience in the banking or credit union sector, you’ll have the opportunity to employ your analytical skills, interpret critical financial trends, and provide strategic recommendations to our Loan Officers. We value teamwork and efficient information flow, so your role will also involve coordinating with your department to ensure everything runs like a well-oiled machine. Plus, our competitive compensation and generous benefits package, including PTO and a 401(k) contribution, offer the icing on the cake. So, if you’re passionate about creating effective financial solutions and have a thirst for growth, we can’t wait for you to join our team here in Dickinson, ND!

Frequently Asked Questions (FAQs) for Commercial Credit Analyst Role at gpac

What are the key responsibilities of a Commercial Credit Analyst at the Dickinson, ND office?

A Commercial Credit Analyst at our Dickinson, ND location is primarily responsible for performing detailed financial analyses on prospective and active loan accounts. This includes evaluating financial statements, preparing reports, making loan recommendations, and ensuring compliance with our credit policies. You will also coordinate tasks within the department and document all analyses thoroughly.