Credit Analyst – Healthcare, G&I

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

📋 Description

• Collaborate with Portfolio Managers on credit and underwriting tasks, conducting analytical work.

• Utilize critical thinking to identify and draft necessary documentation.

• Accurately input indicative credit information into banking systems.

• Create risk-rating scorecards and tickler event analyses, coordinating actions with Portfolio Managers.

• Develop risk models and inform Portfolio Managers of any obstacles impacting client expectations.

• Identify necessary monitoring analysis activities.

• Confirm covenants and define updates for tickler systems.

• Oversee covenant completion and track any overdue or non-compliant covenants.

• Evaluate covenant compliance reporting and pinpoint any issues.

• Review covenant compliance certificates and decide on appropriate actions.

• Update financial covenants and perform necessary calculations.

• Execute Probability of Default models with supervision.

• Assess completed spreads and identify necessary revisions with the CCU team.

• Suggest initial portfolio management actions utilizing Credit Service reporting and RADAR insights.

• Prepare ALSR reports under guidance.

• Conduct risk and projection modeling.

• Complete underwriting processes with limited guidance.

• Accurately create and finalize CAMs.

• Review and revise renewals for less complex deals.

• Conduct portfolio analysis and generate Portfolio Reviews for client meetings.

• Provide support to Portfolio Managers and contribute to special projects.

• Address deficiencies and escalate questions or disputes as necessary.

• Potentially assist in training new employees.

• May participate in special projects assigned by management.

⛳️ Requirements

• A Bachelor's degree in Business (such as Business Administration, Finance, or Accounting).

• Over 2 years of experience in Commercial Banking.

• Strong understanding of financial and risk analysis, including the ability to create financial models.

• Extensive knowledge of banking products and services.

• Familiarity with corporate business structures and legal documentation.

• General awareness of U.S. government regulations.

• Proficient in internal banking applications.

• Excellent verbal and written communication skills.

• Strong problem-solving and analytical abilities, capable of managing and prioritizing multiple tasks.

• Proficient in all Microsoft Office applications.

• Minimal travel is required.

🏝️ Benefits

• Comprehensive medical, dental, and vision insurance coverage.

• 401(k) plan with a generous employer match.

• Employee stock purchase plan with a generous employer match.

• Flexible paid time off policies.

• Extensive leave programs.

• Mental and physical wellness benefits.

• Incentive compensation plan based on company, line of business, and/or individual performance.