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)
Responsible for assisting in the day-to-day management and review of the Bank's overall credit review processes by analyzing financial information and credit reports to evaluate degree of risk of commercial loans and to prepare recommendations for the bank lending committee regarding credit limits and terms of loan. Additionally, this position is responsible for assisting the Bank's loan officers in the field and compiling monthly Credit Department Reports.
***This position can be located in Laurens County, Bulloch County, or Houston County***
ESSENTIAL FUNCTIONS
REQUIRED EDUCATION, EXPERIENCE AND SKILLS
POSITION SPECIFIC COMPETENCIES:
PHYSICAL REQUIREMENTS
Must be capable of operating all types of office equipment including computer, copy machine, fax and telephone
EQUIPMENT USED
Computer, telephone, fax machine, scanner, copier, printer
SUPERVISORY REQUIREMENTS: None
WORKING CONDITIONS
The requirements listed above are representative of the knowledge, skill, and/or ability required. Reasonable accommodations can be made to enable individuals with disabilities to perform the essential functions.
This job description is not intended to be and should not be construed as an all-inclusive list of the responsibilities, skills, or working conditions associated with the position. While this job description is intended to accurately reflect the position's activities and requirements, management reserves the right to modify, add, or remove duties and assign other duties as necessary.
0 Commercial Credit Analyst jobs found in Macon, GA area