Commercial Credit Analyst I

Park National Bank - Columbus, OH (30+ days ago)3.6


PURPOSE

To develop a successful Commercial Credit Analyst and potentially a Commercial Lender, the associate will receive training that will include technical commercial credit analysis, business analysis, experience with varied commercial loan structures, and opportunities to work with experienced lenders, senior leaders, and different departments of the bank.

RESPONSIBILITIES

Understand and promote the bank’s credit culture and credit policies
Prepare loan request and loan renewal write-ups including global cash flow analysis, collateral analysis, industry analysis, management analysis, and overall repayment capacity
Complete underwriting in accordance with current regulations, compliance terms, bank policy, and legal requirements
Spread financial statements and tax returns and analyze historical performance
With direction from the commercial lending staff, prepare annual reviews of existing clients upon receipt of updated financial information
Monitor financial statement requirements, loan covenants, and borrowing base certificates and communicate findings to manager
Attend and participate in department meetings as necessary
Obtain, analyze, and incorporate third-party borrower information (e.g., credit reports)
Accompany Commercial Lenders on calls and inspections
Assist with classified asset reporting
Assist in the preparation for loan review
Assist Commercial Lenders with presenting loan requests to approvers, Senior Lenders, and Loan Committee as needed
Prepare pertinent reports, track financial information and receipt thereof
Maintain orderly and up to date credit files
Individually participates in identifying, measuring, monitoring, controlling, and mitigating departmental and enterprise-wide risks
Maintain awareness of and adherence to bank’s compliance requirements and risk management concepts, expectations, policies and procedures and apply them to daily tasks
Other duties and projects as assigned

Minimum Requirements

Job Requirements:
DESIRED KNOWLEDGE, SKILLS AND ABILITIES

Excellent organizational skills, strong analytical skills, problem solving skills, and the ability to focus on details while working toward the big picture
Superior verbal and written communication abilities
Comfortable and respectful working with customers and all levels of individuals of the bank
Provide superior customer service (internally and externally)
Accuracy and attention to detail is required
Proficient in the Microsoft Office Suite
Well-developed interpersonal skills with the ability to reach agreements for a win-win
Ability to independently prioritize, execute, and complete tasks with varying deliverables, complexities, and deadlines
Knowledge of financial statements and tax returns is a plus
Takes initiative, drives for results, and makes sound judgments

EDUCATION & EXPERIENCE

Bachelor’s degree in a business field, preferably finance or accounting
Bachelor’s degree in other concentrations will be considered with at least two years relevant experience

SCHEDULE

Office hours are Monday through Friday 8am to 5pm. This position is salary non-exempt and full time.

The expected hours for full-time salary, non-exempt and exempt positions is 44-48 per week. A minimum 40 hours is required.