Credit Analyst II - Healthcare/G&I

Overview

This role involves supporting Portfolio Managers in underwriting and monitoring credit, performing financial and risk analysis, and preparing documentation for credit reviews. The Credit Analyst II will develop proficiency in completing the underwriting process independently and assist in portfolio reviews and special projects.

Responsibilities

• Partner with Portfolio Managers to perform credit underwriting and analytical tasks
• Identify risks and draft credit documentation
• Accurately input credit information into banking systems
• Prepare risk-rating scorecards and tickler event analyses, collaborating with Portfolio Managers on actions
• Develop risk models and advise on potential obstacles affecting client expectations
• Identify and perform monitoring analysis activities
• Verify covenants and update ticklers as needed
• Monitor covenant compliance, track overdue or non-compliant covenants, and recommend actions
• Assess covenant compliance reports and certificates to determine necessary steps
• Update financial covenants and calculations
• Run Probability of Default (PD) models with oversight
• Evaluate completed financial spreads and recommend edits in collaboration with the Credit Control Unit
• Identify and recommend preliminary portfolio management actions using credit service reports and RADAR with some oversight
• Prepare ALSR reports with oversight
• Run risk and projection models based on provided assumptions
• Complete underwriting processes with limited oversight
• Create and complete Credit Approval Memorandums (CAM) with minimal errors
• Review and rewrite renewals for less complex deals
• Conduct portfolio analysis and prepare materials for Portfolio Reviews and client meetings
• Support Portfolio Managers and assist with special projects
• Take remedial actions to resolve deficiencies and escalate issues as necessary
• Assist in training new employees as needed

Requirements

• Bachelor's degree in Business Administration, Finance, Accounting, or related field
• Minimum of 2 years of commercial banking experience
• Strong understanding of financial and risk analysis, including financial modeling
• Extensive knowledge of banking products and services
• Familiarity with corporate business structures and legal documents
• General knowledge of U.S. government regulations
• Proficiency in internal banking applications
• Strong verbal and written communication skills
• Effective problem-solving and analytical abilities with capacity to prioritize multiple tasks
• Proficient in Microsoft Office suite

Working Conditions

• Standard office environment with minimal exposure to dust, noise, or temperature extremes
• Minimal travel required

Compensation & Benefits

• Annual base salary range: $54,400 to $111,500 USD
• Eligibility to participate in an incentive compensation plan based on company, business line, and individual performance
• Comprehensive benefits including medical, dental, and vision coverage
• 401(k) plan and employee stock purchase plan with employer match
• Flexible paid time off and comprehensive leave programs
• Benefits supporting mental and physical wellness

Location

• Virtual position based in Ohio

Note: This employer is an equal opportunity organization committed to inclusive hiring practices regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military or veteran status, or any other legally protected status.