Commercial Credit Analyst

We are looking to add commercial credit talent to our Columbus market!

This opportunity is best for candidates who have an interest in building a career in commercial lending and are seeking increased exposure, visibility, and potential impact. In this role, you will be part of a high-powered Credit team, who partners closely with our commercial sales teams across all our growing markets. Our commercial banking team is encouraged to generate a wide range of relationships spanning business banking and the middle market so expect variety in your daily work! A great opportunity to maintain an expansive skillset with direct access to executive management, all while serving a wide range of needs in local business communities.

We are searching for a Credit Analyst. In this role, you will be a key player in the Organization's success, directly contributing to the Bank's achievement of its business plan. CFBank provides competitive salaries and a robust benefits package. The Commercial Credit department is responsible for ensuring that the Bank maintains a high level of credit quality regarding the Bank's commercial lending portfolio. The Commercial Credit Analyst develops and analyzes credit information about diverse types of commercial loans for new credits, renewals, and extensions. In addition, he/she prepares credit reports for loan relationships, maintains control over credit requirements of current accounts, furnishes information for credit inquiries, and provides other assistance to management and commercial loan officers as requested. This position is directly supportive of the Senior Credit Officer roles and also offers support to the Business Bankers.

Major areas of responsibility include, but are not limited to:

• Responsible for underwriting and credit analysis in the areas of commercial lending, commercial real estate lending, and credit administration.
• Analyze financial records including earnings, savings, payments, and purchase of the company or individual and recommend other useful financial activity for further plans.
• Compare liquidity, profitability, and credit histories of individuals or companies being evaluated with similar establishments to determine risk.
• Complete loan applications, including credit analyses and summaries of loan requests, and submit for approval.
• Minimize bad debt risk and maximize accounts receivable collections.
• Generate financial ratios, using computer programs, to evaluate customers' financial status.
• Comply with internal security policies and procedures and maintain customer confidentiality at all times.
• Adhere to all regulations, policies, and record-keeping requirements. Complete all required training related to bank regulations and policies.
• Accept other responsibilities and projects as requested to add value for CFBank.
• Spreads financial statements for Borrower and Guarantor using the credit presentation software program.
• Processes covenant testing according to procedures established by the Credit area of the Bank. Report deficiencies in covenant to management and loan officer.
• Assists Credit Administration in the review of real estate appraisals and evaluations as necessary prior to loan closings.
• Demonstrates proficiency in independently dealing with deadlines, managing workflow, and understanding processes in a timely manner.
• Participates in weekly credit committee meetings, presents loan packages to the executive board as necessary to outline strengths/weaknesses in the deal accordingly, responding to inquiries from officers and committee members' questions.
• Participates in weekly sales meetings to discuss current workflow and status of credit packages. Develops an understanding of past-due loans, discussion of pending items to note for the upcoming week.