Credit Analyst II

• Prepares credit analysis and investigation of new and renewed commercial loan requests and provides the necessary documentation and financial facts for Credit Officers to analyze, evaluate, and determine appropriate credit structure and terms for potential borrowers.
• Provides analytical functions relating to due diligence, document processing, and financial statements analyses related to transactions, credit approval, and renewals. Prepares summary documenting factual analysis and supporting information for credit decision recommendations.
• Monitors for receipt, and analyzes and evaluates documents surrounding credits. This may include financial statements for the company, owners, and/or guarantors, tax returns, cash flow, collateral, covenants, A/P & A/R aging, credit reports, etc. to identify strengths and weaknesses as pertaining to a borrower’s financial position.
• Monitors and reviews REACT reports and works with Entertainment Relationship Manager to obtain necessary information to ensure that reporting requirements are met.

Must-Have*

• H.S. Diploma
• Minimum 3 years of credit analysis or financial analysis experience required.
• Minimum 3 years of experience in a banking or financial services environment required.

Skills and Knowledge

• Working knowledge of credit, accounting, credit policy and financial statement analysis.
• Excellent organizational and analytical skills
• Good verbal and written communication skills to present clear and precise recommendations based upon analysis for action on loans and loan treatments.