VP, Senior Commercial Credit Analyst (ON-SITE)

The Commercial Credit Analyst is responsible for compiling and preparing financial information required to make credit decisions for commercial loan requests. Responsibilities include, but are not limited to, preparing the financial analysis to make credit decisions, contribute to the loan decision process, monitor the existing loan portfolio and evaluate credit risk. They will provide project assistance as required by the Credit Manager and Chief Credit Officer.

• Complete underwriting for credit requests for new and existing commercial client base to produce credit worthiness recommendations. This includes collecting information from various internal and external resources, recording into risk base model, analyzing, interpreting and reporting results and ensuring proper signature authority has been obtained.
• Analyze and interpret all types of credit information on existing customer relationships, to include but not limited to, financial statements, tax returns, ratios and credit reports.
• Timely and accurately maintain automatic tracking systems that identifies deal flow and when financial information and / or any credit information is needed.
• Monitor customer accounts and loan portfolios in order to maximize credit quality and minimize risk and loss.
• Complete credit analysis, prepare recommendations regarding the renewals and ratings of credit extensions for approval.
• Understand and ensure compliance with all Federal and State Regulations and internal banking policies and procedures.
• Work with lenders to ensure all post closing missing items are received and delivered to Loan Servicing. Complete projects as assigned by the Credit Manager or Chief Credit Officer.
• Maintain current knowledge and consistent compliance with regulations, bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.