Overview
A dynamic platform dedicated to empowering workers and job seekers is seeking a Commercial Credit Analyst to join their finance team. This role involves analyzing financial data, assessing creditworthiness, and supporting the underwriting process for commercial clients. The analyst's insights will influence lending decisions, ensuring sound financial practices and strong business relationships.
Responsibilities
- Analyze loan data and financial information for new, renewal, and existing loans, including data from credit bureaus, financial institutions, and internal files.
- Complete credit memos and underwriting requests for various banking products such as commercial credit, remote deposit capture, and ACH services.
- Prepare detailed spreadsheets, reports, summaries, and expert opinions for bank officers.
- Assign risk ratings to borrowers to provide clear credit risk assessments.
- Provide technical support to loan officers.
- Assist in developing credit policies.
- Assume additional responsibilities to ensure efficient and accurate credit analysis processes.
Requirements
- Bachelor’s degree in business, finance, or accounting.
- Minimum of two years of credit analysis experience preferred, or at least one year as a Junior Commercial Credit Analyst.
- Strong financial analytical skills and attention to detail.
- Proficiency in MS Word and Excel.
- Excellent written and verbal communication skills.
- Solid understanding of financial statements, risk assessment, and credit evaluation processes.
- Ability to work independently, prioritize tasks efficiently, and adapt to a fast-paced environment.
Preferred Skills and Experience
- Financial Analysis
- Credit Analysis
- Risk Assessment
- Financial Reporting
- Loan Underwriting
- Data Analysis
Compensation & Benefits
- Salary range: $70,000 to $100,000 per year, commensurate with experience, education, and qualifications.
- Comprehensive benefits package including medical coverage with deductible reimbursement, dental, and vision plans.
- Employer-matched 401(k) plan.
- Training programs and tuition reimbursement.
- Opportunities for career advancement.
- Paid time off, paid volunteer hours, and 11 paid holidays annually.
Equal Opportunity
The organization is an equal opportunity employer committed to creating a diverse and inclusive workplace. All qualified applicants will receive fair consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, protected veteran status, or any other protected category under federal, state, or local laws.