Credit Analyst

Must have commercial credit experience from banking or financial servicesPrepare loan approvals, annual reviews and conduct and credit analysis for new requests, in addition to modifications and short term extension of existing loansPrepare and spread business financial statements and cash flows, in addition to personal financial statements and cash flow for personal guarantors. Verify covenant compliance. Conduct analysis on accounts receivable and accounts payable aging reports, work in progress reports, and borrowing base certificates.Accompany Commercial Loan Officers on customer and prospect calls. Participate in discussions with management regarding creditworthiness of proposed loan requests.Conduct third party research, inclusive of industry reports, personal credit reports, real estate analysis with market assessments, etc.Prepares reports and handles special assignments as warrantedSubject to business needs may have supervisory and mentorship responsibilities for junior Credit Analysts.