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Commercial Credit Analyst
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- Credit Union of Georgia is looking for a talented commercial credit analyst to help our busy commercial lending department.
- Performs thorough analysis of all credit, financial, and cash flow information to determine viability of repayment for commercial loan requests.
- Assesses and determines repayment ability of all borrowers and guarantors, and from a global perspective through in-depth analysis of tax returns and financial statements, including balance sheet, income statement, direct and indirect cash flow statements, using trend, cash flow, ratio, leverage, and projection analysis, which includes stress testing cash flow using various criteria such as changes in interest rate and vacancy.
- Credit Presentations should contain all information necessary for Analysts to make an informed recommendation, including Borrowing Cause, Borrower structure and background, all repayments sources, financial statement analysis, collateral analysis, identification of all repayment sources (primary, secondary, and tertiary) analysis of risks to repayment, mitigating factors, recommendation for loan structure, pricing, repayment terms, loan risk grade, and covenant / annual review requirements.
- Monitors insurance on collateral to clear exceptions on expired policies.
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