Commercial Credit Analyst collects, reviews, and analyzes data to prepare a detailed credit analysis that evaluates the terms and creditworthiness of commercial loan applications. Uses multiple sources of information, including financial statements, collateral appraisals, credit scores, and cash flow analysis, to assign risk ratings to loans and complete an analysis of the applicant's financial status. Being a Commercial Credit Analyst calculates debt-to-income (DTI) ratios to evaluate an applicant's ability to repay the loan. Prepares credit memos in a standardized format that includes key ratios, supporting information, an executive summary, and objective recommendations. Additionally, Commercial Credit Analyst presents credit reports to loan officers and loan committees. Requires a bachelor's degree. Typically reports to a supervisor or manager. The Commercial Credit Analyst work is closely managed. Works on projects/matters of limited complexity in a support role. To be a Commercial Credit Analyst typically requires 0-2 years of related experience. (Copyright 2024 Salary.com)
Description
Are you looking for a rewarding career with a growing organization? Credit Union of Georgia is looking for a talented commercial credit analyst to help our busy commercial lending department.
This is a new role created due to growth.
The commercial credit analyst will review documentation for Commercial Loan applications and perform thorough analysis of financial and credit information to determine viability of request within the parameters of established policies and procedures and applicable regulatory guidance; analyzes balance sheets, personal financial statements, tax returns, income statements, cash flow statements, and other information using trend, ratio, leverage, projection, and stress techniques to determine adequacy of repayment sources; reviews appropriate documents to determine viability of proposed collateral, including appraisals and other evaluations, leases, title reports; takes the lead with the analysis of large and/or complex credits.
The diligent execution of this position is expected to contribute to the accomplishment of the department’s short and long-term goals.
Responsibilities
Requirements
Credit Union of Georgia is an equal opportunity employer.
No phone calls. No recruiters.
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