Credit Analyst 3

This is a fully remote position, open to applicants in Utah.

📋 Description

• Conduct advanced financial and risk assessments for commercial credit lending on the existing customer portfolio with credit limits exceeding $150K

• Leverage commercial credit reports and external data to make credit decisions in line with established credit policies and procedures

• Approve or reject credit applications within the scope of personal credit authority

• Execute financial and credit risk assessments for public and significant private companies based on risk alerts or credit review timelines

• Make intricate credit decisions concerning account credit line adjustments, including increases, decreases, or loss mitigation approaches

• Assess the creditworthiness of accounts that have not been evaluated by models

• Compile and present thorough and precise credit packages for management and the Bank Loan Committee

• Suggest enhancements to strategies, policies, and procedures

• Resolve complicated credit issues with both internal and external clients

• Assist and address client inquiries regarding account requests, questions, and complaints through email and client meetings

• Communicate with clients, relationship managers, and bank representatives to collect necessary information

• Undertake additional projects and tasks as directed by the credit manager

⛳️ Requirements

• High School Diploma is mandatory

• A Bachelor of Science degree in accounting, business, finance, or a higher qualification is preferred

• 5-8 years of experience and practical knowledge in Commercial Credit Risk Analysis and underwriting

• Preferred accreditation includes Credit Business Associate (CBA) or Credit Business Fellow (CBF) from NACM, or a similar industry-standard Commercial Credit Lending Certification (e.g., Moody’s CICC)

• Advanced proficiency in understanding and interpreting various types of financial statements

• Familiarity with foreign currency conversions and the ability to evaluate credit in foreign currencies

• Solid understanding and demonstrated application of credit and banking laws and regulations

• Comprehensive knowledge of Collateralization/Securitization

• Intermediate to advanced proficiency in working with credit scoring

• Strong capability in interpreting commercial credit reports and data to make complex credit decisions

• Practical knowledge and general experience with various credit tools (e.g., D&B, Equifax)

• Proven accuracy and completeness in preparing and processing complex reviews

• Advanced capacity to evaluate risk for mid-sized to large public or private companies

• Ability to uphold high customer service standards and manage escalated customer service concerns

• Competence in utilizing non-standard or market data as components in credit analysis and recommendations

• Proficiency in using Excel or similar tools to conduct supplementary analysis beyond standardized credit analysis tools

• Demonstrated capability to work and conduct research independently

• Proven ability to accept feedback and coaching while contributing to a positive and respectful team atmosphere

• Familiarity with AI tools such as Gemini, ChatGPT, or similar

🏝️ Benefits

• Health, dental, and vision insurance

• Retirement savings plan

• Paid time off

• Health savings account

• Flexible spending accounts

• Life insurance

• Disability insurance

• Tuition reimbursement

• Eligibility for quarterly or annual bonuses for non-sales roles