Commercial Credit Analyst

Responsible for analyzing
and monitoring the creditworthiness of the Bank's customers. Analyzes financial statements and tax returns
to evaluate the financial condition of individuals and businesses applying for
credit with the Bank.

* Obtain loan
request information from Commercial Bankers or Borrowers to analyze credit
information, financial statements and other related information pertaining to
the loan.

* Spread financial
statements for Commercial Bankers into the Abrigo/Sageworks System.

* Review and
prepare written analysis, spreadsheets, reports, summaries, and recommendations
based on risks, credit and collateral.
Assist in presentation of findings to the Lenders.

* Understand the
background of Borrowers and be able to communicate, both in writing and
verbally, the strengths and weaknesses of a credit.

* Prepare memos for
the Commercial Bankers, if needed

* Credit
underwriting.

* Bachelor's degree in Business, Accounting, Finance or
related field or a minimum of 2 years of related experience in loan review or
commercial lending; or an equivalent combination of education and experience.

* Effective oral and written communication skills.

* Ability to compute complex math calculations.

* Proven problem-solving and analytical skills. Ability to interpret a variety of information
furnished in written, oral, diagram, or schedule form.

* Ability to prioritize.

* Effective time management skills.

* Proficiency in using personal computers and office
products (e.g., Word, Excel).