Credit Analyst jobs in Ellicott City, MD

The Position

Our bank client is seeking to fill a Sr. Commercial Credit Analyst role in the Baltimore, MD area. The position is responsible for obtaining loan request information from commercial lenders or borrowers to analyze credit information, financial statements, and other related information pertaining to extensions of credit.

The opportunity has a generous salary of up to $100K and a benefits package. (This is not a remote position).

Sr. Commercial Credit Analyst responsibilities include :

• Analyzing and monitoring the creditworthiness of the Bank's clientele.
• Analyzing financial statements, tax returns, and bank references to evaluate the financial condition of individuals and businesses applying for credit with the Bank.
• Recommending credit lines within the established guidelines.
• Researching background documentation and review personal and business financial statements and tax returns.
• Reviewing and analysis of financial statements on existing borrowers for renewal loans.
• Reviewing and preparing written analyses, spreadsheets, reports, summaries, and opinions.
• Preparing and assisting in the preparation of loan memorandum for presentation to loan committee, and / or board review in the lender's absence.
• Assisting with the post-closing review of loan files to ensure the completeness of the file and that all collateral has been secured properly.
• Assists lenders on calls as assigned by the senior lender.
• Updating collateral values, as needed on delinquent loans.
• Assisting with the preparation of the ALLL (Allowance for Loan and Lease Losses).
• Assisting with the preparation of loan portfolio reports for exams, audits, etc.
• Performing additional duties as requested, needed, or assigned.

Requirements

Who Are You?

You're someone who wants to influence your own development. You're looking for an opportunity where you can pursue your interests and your passion.

Where a job title is not considered the final definition of who you are, but merely the starting point for your future.

You also bring the following skills and experience :

• Minimum High School Diploma or GED equivalent is required; A bachelor's degree in business, finance, or accounting is preferred.
• Three or more years of progressively responsible experience working with credit file systems and other aspects of the job required.
• thorough knowledge of commercial lending, complex credit underwriting, and the business objectives of the lending department.
• Strong analytical skills to conduct commercial appraisal reviews / income evaluations.
• Good interpersonal skills to represent the Bank and effectively negotiate commercial lending deals.
• Excellent written and verbal communication skills are required.
• Familiarity with financial statement spreading software, and completion of a formalized credit training program strongly preferred.

Benefits

Last updated : 2024-04-23