Overview
This role involves serving as a Credit Products Analyst II within Commercial Banking, focusing on complex underwriting and portfolio management tasks. The analyst supports Credit Products Specialists by assessing credit risk, structuring commercial loans, and monitoring portfolio performance. The position requires independent financial analysis, preparation of risk ratings, and providing insights to inform credit decisions while developing industry expertise and technical skills.
Responsibilities
- Conduct financial spreading and risk rating analysis.
- Perform detailed credit due diligence and industry research.
- Prepare annual and periodic credit reviews.
- Monitor borrower performance and track financial covenants.
- Recommend risk rating adjustments based on financial trends.
- Assist in structuring new loans and loan modifications.
- Prepare internal credit approval memoranda.
- Conduct market and collateral analysis.
- Review and interpret due diligence reports.
- Collaborate with Relationship Managers to prepare financing-related pitch materials.
- Work closely with Relationship Managers, Credit Officers, and Credit Products Specialists to provide data-driven insights.
- Participate in client discussions and presentations as needed.
- Contribute to process improvement initiatives.
- Support policy updates and regulatory compliance efforts.
- Perform special projects and additional duties as required.
- Adhere to regulatory and compliance policies and complete required compliance trainings.
Requirements
- Undergraduate degree (4 years or equivalent) in Finance, Accounting, Economics, or a related discipline.
- Minimum of 3 years of experience in commercial banking, credit analysis, or a related field.
Preferred Qualifications
- Exposure to commercial credit structuring and deal underwriting.
Competencies
- Advanced financial modeling, credit risk assessment, and industry research skills.
- Ability to analyze complex credit situations and recommend solutions.
- Strong skills in tracking financial reporting and monitoring credit agreements.
- Effective collaboration with Relationship Managers, Credit Officers, and external partners.
- Critical thinking and problem-solving abilities related to credit risk.
- Proficiency with financial analysis tools, CRM systems, and Excel (including pivot tables and financial modeling).
- Strong relationship-building skills with internal and external stakeholders.
- Ability to communicate clearly and engage in proactive collaboration.
- Commitment to fostering a positive work culture and productive environment.
- No unusual physical exertion required.
Compensation & Benefits
- Pay range: $58,176.00 - $95,799.00 annually.
- Total compensation may include variable incentives, bonuses, commissions, or other awards.
- Access to benefits including medical, dental, vision, life, and disability insurance.
- Comprehensive leave program.
Location
Work From Home, FL 32302