Commercial Credit Analyst

6 days ago

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Description

• Produce written summaries of risk assessment along with subsequent recommendations for credit approval. • Provide exceptional customer service, both via phone and email, and conduct timely follow-ups in support of efficient credit management processes. • Conduct risk assessments to determine financial creditworthiness to support account exposure • Perform detailed financial statement analysis on companies, including trend and ratio analysis utilizing financial documents such as the balance sheet and income statement. • Assisting in updating credit policy and procedures as well as identifying /introducing innovative methods to streamlining risk assessments. • Maintain timely and accurate reports regarding portfolio status including assurance of completion of annual reviews. • Conduct company, industry and market analyses to further assess portfolio credit risk.

Requirements

• Bachelor’s degree required – field of study in accounting, economics or finance preferred. • Minimum 4 years of experience in commercial credit analysis and underwriting in a banking, fintech or merchant services organization. • Experience in independently analyzing and approving companies requesting loans, lines, exposure greater than $500,000. • Advanced excel skills. • Comfortable generating advanced query functions and pivot tables. • Experience performing detailed financial analysis on companies including: Ratio and trending analysis. Liquidity, Leverage and similar assessments. • Able to identify concerns/red flags in business activity for repayment and/or processing history. • Experience with using Salesforce or comparable CRM tool. • Experience with LexisNexis, Experian, or comparable credit monitoring and compliance tools. • Ability to absorb and disseminate information in a timely manner. • Organized and efficient and able to focus on key priorities. • Ability to listen actively and communicate effectively.

Benefits

• Health, dental, and vision paid 100% by company for you and your dependents • 401k with 6% match • FSA and Dependent Care FSA • Long-term & short-term disability coverage for you paid 100% by company • 8 paid company holidays per year • 2 paid floating holidays per year • 1 paid volunteer day per year • Paid Time Off • Home office equipment stipend • Quarterly “fun budgets” for team bonding events • Opportunity to be part of a company that is changing a whole industry • Opportunity for growth within the company • Opportunity for remote, in-office, or hybrid work