Credit Analyst III

Job Description:The Credit Analyst III helps our lending teams make smart, timely credit decisions. In this role, you’ll gather and analyze financial and credit information to evaluate risk across commercial and industrial loans, commercial real estate loans, and private banking loans. You’ll also enter commercial and consumer financial data into the Bank’s analysis software and coordinate the appraisal ordering and review process in line with Bank policy and all applicable federal and state regulations. What you’ll do:Review loan applications and verify files are complete so lenders have what they need to make informed decisions.Support lending and support partners with timely guidance to improve turnaround time and overall effectiveness.Enter application details and financial statement/tax return data into the loan origination system and analyze it alongside supporting documentation.Review credit memoranda for accuracy and recommend edits to the Credit Manager/Credit Officer.Deliver high-quality work within established service-level agreements (SLAs).Keep work compliant with applicable federal and state regulations and Bank policy.Route loan requests to the Credit Officer when needed.Review appraisals to ensure they meet Bank standards and regulatory requirements.Flag policy exceptions, escalate concerns, and recommend practical solutions and tracking to the Credit Officer.Analyze borrower, industry, and financial performance data; identify key risks to repayment; and clearly document conclusions that support the credit recommendation.Prepare timely, clear, and accurate credit recommendations with limited supervision, including: (1) quantitative support within the underwriting narrative; (2) accurate use of risk-rating/scoring models to ensure loans are properly risk rated; and (3) clear identification and mitigation of exceptions to Bank policy, procedures, and compliance requirements.Collaborate with Commercial Relationship Managers to understand customer needs and, when appropriate, provide input on loan structure to balance risk and competitiveness within Bank guidelines.Follow Bank policies and procedures and complete required annual and role-specific training.Stay current on the Bank’s written policies and procedures.Manage the appraisal workflow—receive requests, prepare engagement letters, track progress, and complete review checklists to support quality and compliance.What you’ll bring:Bachelor’s degree in business administration, finance, or a related field preferred.5+ years of banking experience.Strong skills in Microsoft Word and Excel; familiarity with Premier and Viewpoint (or comparable systems) is a plus.Clear, professional written and verbal communication skills.A strong attention to detail and organization, with the ability to adjust priorities as needs change.Sound judgment and discretion when handling confidential information. How you’ll succeed:Work well and be productive in a fast-paced, deadline-driven environment.Bring a working knowledge of banking compliance relevant to the role and stay current through training, coursework, and on-the-job learning.Work independently, take ownership of assignments, and follow through with minimal supervision.Be able to travel to all markets, as needed.