Credit Analyst II/III

The purpose of this mid-level job is to combine accounting, credit and financial analysis (involving analysis of profitability, repayment ability, liquidity, solvency, and leverage) and risk assessment of commercial loans and loan commitments utilizing extensive computer-based risk analytic models in order to maximize the profitability, safety and soundness of the bank’s commercial loan portfolio, and to ensure that loans adhere to established loan policy guidelines and procedures.  This position supports the credit approval process by providing personal and corporate financial spreads, customer summaries of M&I deposit and loan histories, analysis of income tax returns through TaxAnalysis software and other reports that are incorporated into the bank’s detailed loan presentation memoranda that are submitted by commercial relationship managers.  This position makes recommendations regarding loan structuring and pricing decisions.  This position further supports the underwriting process by writing Loan Presentation Memoranda comments for commercial relationship managers, meets with senior credit administrators and senior credit officers and makes recommendations on credit decisions that are to be presented to senior/executive management and formalized senior loan committees for review or approval.  This is a solution and results-oriented position.  This position also is involved in training of new credit analysts and management development associates.

This position may be filled as a Level III - additional qualifications and responsibilities apply.

• Spreading and analyzing corporate customer financial statement information:
• On credit requests in excess of local bank loan authorities of credit requests exceeding community bank approval authorities with total debt relationship over $500,000
• Preparation of debt recaps for loan presentation memoranda
• Spreading personal financial statement information
• Analysis of Tax Returns and development of Global Cash Flows 
• Train new credit analysts and management development associates

• Development and writing of commercial Loan Presentation Memoranda and make oral and written recommendations to commercial relationship managers and their managers, senior credit officers, the chief commercial credit officer and the chief credit officer

• Develops pertinent industry and economic information for lenders and loan committees in the approval process of new, renewal and extensions of loans

• Make periodic customer business development calls as required by assigned commercial relationship managers

• Minimum of a Bachelor’s degree in business, preferably finance or accounting
• Accounting knowledge
• Financial statement analysis knowledge
• Knowledge of loan structuring
• Cash Flow Analysis
• Commercial Loan Policies and Procedures
• Strong communication (oral and written) skills
• Must possess strong credit and financial analytical skills
• Must possess very well-developed interpersonal skills
• Must be assertive and decisive in reaching sound credit decisions which serve the best interest of both bank and borrower
• Must possess time management skills and ability to prioritize multi-faceted work assignments
• Computer skills – word processing and spreadsheets
• At least one year credit analysis experience or equivalent work experience in a financial related field

Additional qualifications for Level III:

• Minimum 3 to 5 years proven credit analysis experience or equivalent work experience in a financial related field
• Expert accounting and financial analysis knowledge
• Extensive knowledge of loan structuring
• Expert Cash Flow Analysis
• Detailed understanding of industry and economic sectors
• Fully developed knowledge and understanding of the lending and credit approval process as well as Commercial Loan Policies and Procedures
• General knowledge of Credit Operations department job responsibilities including but not limited to credit disputes and inquiries and account confirmations
• Must possess excellent credit and financial analytical skills and excellent problem solving skills
• Must possess superior time management skills and ability to prioritize multi-faceted work assignments
• Must be highly self-motivated, self-disciplined
• Graduate level education in business (MBA) preferred