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)
Organization: Arbor Financial CU
Date Posted: April 16, 2024
Region: Southwest Michigan
Location of Position: Kalamazoo
Position Level: Mid-Level
As a member of the Commercial Banking Team, the primary role of the Credit Analyst is to review, spread and analyze financial information in order to assist and support the Commercial Loan Officers in their assessment of the credit worthiness of prospective and existing Member Business Customers and to support Management in the general oversight of the Commercial Loan Portfolio.
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