Credit Analyst III

Summary  Analyzes credit data to estimate degree of risk involved in extending credit or lending money to firms or individuals; assumes Manager’s responsibilities in the absence of the Credit Analysis Manager by performing the following duties.

Duties and Responsibilities include the following.

Conduct thorough analysis of financial statements and assessment of credit requests on complex commercial

credit relationships of $2,500,000 and greater.

• Keep up to date with the company’s lending protocols.
• Ability to effectively manage competing deadlines for projects in a high-pressure work environment, with varying degrees of supervision and a working knowledge of accounting principles and financial techniques 
• Research skills
• Strong problem-solving, mathematical and analytical skills
• Excellent written and verbal communication skills
• Ability to maintain confidentiality
• Proficiency with computers and computer software, like programs that aid in statistical and financial calculations
• Proficiency with financial reports and statements
• Strong attention to detail and ability to notice discrepancies in data
• Impeccable understanding of financial statements, ratios, and concepts

The ideal candidate should be self-motivated, be a team player and have a strong work ethic.

• Performs loan reviews/annual reviews on selected borrowers and guarantors for commercial credit relationships of $2,500,000 and greater.
• Performs cash flows, financial credit analysis, collateral valuations, global cash flows, etc. for commercial borrowers and guarantors on credit relationships of $2,500,000 and greater.
• Accompanies relationship managers on customer calls and site visits of potential and existing customers as requested / needed.
• Performs ongoing file maintenance to ensure credit information is uploaded to the credit file in a timely basis as needed.
• Identifies policy, collateral, and missing document exceptions.
• Identifies strengths and weaknesses of the relationship.
• Researches and summarizes industry information for potential and existing customers.
• Runs credit bureaus and background checks for potential and existing commercial customers and guarantors to evaluate for potential credit worthiness and/or fraud.
• Spreads financial statements and tax returns for potential and existing commercial customers and guarantors.
• Assists relationship managers in structuring credits, assessing covenants and monitoring procedures.
• Responsible for training and development of new relationship managers on the credit analysis process.
• Responsible for training, development, and mentoring of new credit analysts and the CDP analyst on the credit analysis underwriting and processes.
• Other duties and responsibilities as assigned.

Supervisory Responsibilities                                                     

Supervises employees of the Credit Analysis Department in manager’s absence, principally in remote markets.  Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws.  Responsibilities include training employees; planning, assigning, and directing work; appraising performance in conjunction with management; rewarding and disciplining employees; addressing complaints and resolving problems.

Competencies - To perform the job successfully, an individual should demonstrate the following competencies:

Analytical - Synthesizes complex or diverse information; Collects and researches data; Demonstrates attention to detail.

Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully.

Interpersonal Skills/Customer Service - Maintains confidentiality; Manages difficult or emotional customer situations; Responds promptly to customer needs; Meets commitments.

Oral and Written Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Writes clearly and informatively; Presents numerical data effectively.

Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit; Puts success of team above own interests; Able to build morale and group commitments to goals and objectives; Supports everyone's efforts to succeed.

Change Management and Delegation - Communicates changes effectively; Delegates work assignments.

Leadership and Managing People - Exhibits con