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)
SUMMARY
With limited supervision, assists warehouse lending director in processing commercial loans and servicing warehouse clients by performing the following duties.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following.
QUALIFICATIONS - To perform this job successfully, an individual must be able to perform each essential duty in a satisfactorily manner. The requirements listed below are representative of the minimum knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
EDUCATION and/or EXPERIENCE
High school diploma or general education degree (GED) with completion of some college level studies preferred. Minimum five years 1-4 family mortgage warehouse credit experience or relevant commercial experience with the ability to create credit memos with the supplied documentation preferred. Has the ability to work directly with the banks commercial loan committee. PC proficiency in a Windows environment, particularly EXCEL and Word, required. Previous client service experience of at least one year. Understanding of commercial loan products, deposit products, as well as other bank products and services preferred.
LANGUAGE SKILLS
Ability to effectively present information one-on-one, and small group situations to customers, clients, and other employees of the organization. Ability to effectively present information and respond to questions, both orally and in writing, to commercial lenders, managers, clients, etc.
MATHEMATICAL SKILLS
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages. Ability to comprehend and apply basic accounting principles.
REASONING ABILITY
Ability to interpret a variety of instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.
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First Bank is a VEVRAA Federal Contractor and an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or protected Veteran status.
Attn: Applicants interested in a San Francisco based position: First Bank will consider qualified applicants with a criminal history in a manner consistent with the San Francisco Fair Chance Ordinance.
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