Commercial Credit Analyst

GENERAL FUNCTION: 

The Credit Analyst is primarily responsible for completing the daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues as needed. In addition, a Credit Analyst drafts credit approval documents and review memos for loans and other ancillary products. documents and prepare for credit reviews. The Credit Analyst is knowledgeable on financial and risk analysis and demonstrates proficiency in financial modeling. 

The Credit Analyst is expected to build proficiency in underwriting, developing the ability to complete the underwriting process from beginning to end with limited oversight on increasingly complex credits. Additionally, the Credit Analyst will attend and support Portfolio Reviews as needed. 

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types. 

ESSENTIAL DUTIES AND RESPONSIBILITIES: 

• Responsible for proactively monitoring Credit Excellence and initiating collection of financial statements for upcoming renewals and periodic reviews.  

• Prepare succinct credit approval memos with minimal errors, including company and industry descriptions, key credit risks, historical analysis, base and downside case projection assumptions/rationale and terms and conditions. 

• Complete ongoing portfolio monitoring, including covenant tracking, financial statement reviews, and run risk rating models. 

• Identify and determine monitoring analysis activities required 

• Verify covenants and define updates needed on ticklers 

• Monitor covenant completion and track past due or out of compliance covenants and recommend appropriate course of action 

• Responsible for understanding and evaluating completed spreads to determine necessary edits working in collaboration with the CCU teamworks to identify and resolve required edits or corrections 

• Generate and provide various pipeline and portfolio reporting as needed to credit leadership, portfolio managers, underwriters, relationship managers and others as needed. 

• Prepare Criticized Period Reviews