The Commercial Credit Analyst I is an entry-level role designed to develop foundational experience in commercial credit risk and lending. This position supports Credit Products Specialists in underwriting and monitoring commercial loans across various business segments within Commercial & Private Banking.
Requirements
- Minimum experience required: 1+ Years.
- Financial Acumen: Basic understanding of financial statements and credit risk fundamentals.
- Analytical Thinking: Ability to interpret financial data, identify trends, and assess risk factors.
- Detail Orientation: Ensures accuracy in financial analysis and reporting.
- Technology Proficiency: Proficient in Microsoft Excel (spreadsheets, basic financial modeling), Word, and PowerPoint.
- Learning Agility: Willingness to develop expertise in commercial lending and credit risk.
Responsibilities
- Spread financial statements and assess trends.
- Generate risk ratings and accompanying analyses.
- Track and review covenant compliance and borrowing base reports.
- Conduct annual and periodic portfolio reviews.
- Perform ongoing credit due diligence.
- Assist Credit Products Specialists in structuring new loans and modifications.
- Support the preparation of credit approval memoranda.
Other
- High School diploma/GED/Foreign Equivalent
- Undergraduate Degree (4 years or equivalent) in finance, accounting, economics, or a related discipline.
- Time Management: Capable of handling multiple tasks while meeting deadlines.
- Collaboration & Communication: Works effectively with internal teams; strong verbal and written communication skills.
- Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulations.
