Credit Analyst I - Middle Market

Credit Analyst I – Middle Market

4 year degree or equivalent experience
1+ years related experience preferred
Basic knowledge of credit and financial analysis techniques
Strong oral and written communication skills
Strong analytical and research skills
Developed PC skills including proficiency and capability in word processing and spreadsheet software
Ability to meet deadlines
Ability to maintain the confidentiality of credit and Customer information
Good interpersonal skills and team orientation

Responsible for basic financial analysis of less complex loans/industries/Customers
Work reviewed and monitored by lead staff
Basic understanding of loan risk factors
May research industry specific information from outside sources
May participate in Customer meetings and make direct inquiry for specific Customer information based on prior research, experience and knowledge
Integral part of loan origination process
Responsible for performing underwriting analysis of Borrower’s character, credit worthiness and financial condition
Supports the lending function by providing analytical support
May prepare insightful and timely approval memorandums for presentation to appropriate lending and credit authorities
May analyze financial statements, management profiles, business and product cycles, cash flow ability, collateral, agings, etc. of future and existing Customers to identify trends, measure performance, assess financial strength and develop an assessment of credit risk
May maintain credit files, monitor data such as updated financial statements and prepare updated analysis memos
Monitors compliance with regulatory requirements
May provide written analysis that identifies any deviations from the Company Commercial Loan Policy