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.
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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...
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