Description
Thee Commercial Credit Analyst reports to the VP, Commercial Credit Manager and plays a pivotal role in supporting the Bank’s commercial lending by assessing and mitigating the risk associated with loan transactions. This role is responsible for conducting a thorough analysis of individual commercial credit applications and associated annual reviews.
KEY RESPONSIBILITIES:
Analysis
· Critical analysis of financial information provided by borrowers and guarantors to determine sources and uses of assets and risk profile.
· Reconciling borrower financial data to appropriate industry standards. Analyze financial statements, tax returns, and other relevant documents to assess a borrower’s financial health and repayment ability.
· Assist in the preparation of credit approval memos and loan presentations for review by credit committees or senior analysts.
· Prepare financial analysis, cash flow models, and industry research to structure appropriate credit solutions.
· Conduct risk assessments on borrowers, industries, and collateral.
· Monitor and review existing credit relationships for performance, covenant compliance, and renewal needs.
· Review of external reports to ascertain current or future concerns.
Reporting & Data Integrity, Compliance
· Support institutional and regulatory reporting through the collection, verification, and maintenance of loan-related data.
· Maintain organized loan files and ensure timely updates to customer and loan records.
· Support process to create and execute legal and credit documentation.
· Support Commercial Credit Administrator with administrative tasks that are required to maintain loan transaction flow.
Stakeholder Communication & Relationship Management
· Ensure effective communication and timely updates with internal and external stakeholders involved in the commercial transaction.
· Work in conjunction with other departments to assist in resolving commercial customer needs such as overdraft protection, new accounts and servicing questions.
Other
· Assist in the ongoing enhancement of underwriting processes, credit models, and risk rating systems.
· Stay current on market conditions, industry trends, and regulatory changes affecting commercial credit risk.
· Actively participate in the Bank’s community involvement initiatives, supporting CRA-related activities and representing the Bank in service opportunities that align with its mission of local impact.
Requirements
Education & Experience
· Bachelor’s Degree, preferably in Finance, Accounting, or Business Administration or related field ie. Economics.
· Experience in commercial credit analysis, commercial banking, or financial services (internships or co-op experience may be acceptable)
· Strong knowledge of financial statement analysis, cash flow analysis, and accounting principles.
· Familiarity with compliance requirements (CRA, Reg B & HMDA) and regulatory reporting (e.g., HMDA, UCC filings).
Skills
· Proficiency in Microsoft Office Suite (Word, Excel, Outlook); ability to learn and utilize bank-specific systems and software.
· Experience with credit analysis tools or financial modeling a plus.
· Effective analytical skills that produce educated assessments and conclusions.
· Strong organizational and time management abilities with a focus on meeting deadlines and maintaining accuracy.
· Excellent written and verbal communication skills to present a complete analysis.
· Problem-solving mindset with the ability to adapt to changing priorities and resolve transaction issues efficiently.
· Exposure to C&I (Commercial & Industrial) or CRE (Commercial Real Estate) lending.
· Familiarity with regulatory and compliance requirements in banking.
If an employer mentions a salary or salary range on their job, we display it as an "Employer Estimate". If a job has no salary data, Rise displays an estimate if available.
Looking for a Finance Supervisor to lead sales forecasting efforts at AbbVie, a leader in healthcare innovation.
Join Smithfield Foods as an Associate Financial Analyst and contribute to their sustainability projects while enhancing your career in the financial analytics field.
Palo Alto Networks seeks an experienced Finance Manager to drive financial insights and operational efficiency within their North America sales team.
Join our mission at the forefront of renewable energy as a (Senior) Investment Manager, contributing to sustainable projects that shape the future.
Huntington seeks a motivated Portfolio Management Analyst to join their Corporate Banking Team, focusing on high-revenue clients and complex loan underwriting.
Join Brooklyn Investment Group as a Portfolio Management Engineer to revolutionize portfolio management through cutting-edge technology.
Become the Finance Futurist who leads financial innovation and digital transformation in a forward-thinking team.
Join Robinhood as a Lead Stock Analyst and play a critical role in enhancing employee equity programs for a mission-driven fintech company.
Motive is looking for a detail-oriented Senior Finance Operations Analyst to oversee financing deals and support financial operations remotely.
Join Nexamp as a Senior Revenue Maximization Specialist to drive financial success within the clean energy sector.
Seeking a Financial Analyst II to deliver financial insights and analyses that drive organizational success.
As Director of Treasury at American Express, you'll drive strategic financial forecasting and analysis while leading a high-performing team.
Join our team as a Finance Manager in Novi, Michigan, where you'll facilitate financing and insurance options while ensuring a high level of customer satisfaction.
Our Story - A Legacy of Growth and Community Commitment Founded in 1910, Savers Bank started with a simple goal: to help our neighbors build a foundation of savings, achieve home ownership, and create a brighter financial future. From our earlies...
5 jobsSubscribe to Rise newsletter