Credit Analyst

The Credit Analyst performs financial based analysis of credits to assess risk, underwrite, and monitor existing credits to entities or individuals.

Requirements

• Create financial spreads within the bank lending operating system (nCino) using financial statements to find and review trends.
• Prepare reports designed to quantify borrowers' personal, global, and real estate cash flows on an accurate and timely basis as assigned by their manager or other designated CA leader.
• Verify accuracy of customers' borrowing base certificates for assets such as accounts receivable, inventory, and marketable securities.
• Calculate financial ratios and monitor for compliance in accordance with customers' loan agreements regarding frequency and definitions of ratios or eligible collateral.
• Prepare industry or market specific reports using internal and/or external data to assist in the analysis of individual loan or portfolio level analysis as needed at direction of CA manager.
• Create credit memos and annual reviews, as defined in current department procedures.
• Complete required BSA/AML training and other compliance training as assigned.
• Perform any other related duties as required or assigned.

Benefits

• 401k Matching
• Retirement Plan
• Tuition Reimbursement