Credit Products Analyst II – Commercial Banking

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

📋 Description

• Perform financial spreading and analyze risk ratings.

• Carry out in-depth credit due diligence alongside industry research.

• Draft annual and periodic credit assessments.

• Oversee borrower performance and monitor financial covenants.

• Suggest adjustments to risk ratings based on financial trends.

• Support Credit Products Specialists in structuring new loans and modifications.

• Create internal memoranda for credit approval.

• Execute market and collateral evaluations.

• Assess and interpret due diligence reports.

• Collaborate with Relationship Managers to develop financing-related pitch materials.

• Work closely with RMs, Credit Officers, and Credit Products Specialists to deliver data-driven insights.

• Participate in initiatives aimed at process improvement.

• Pursue ongoing professional development through credit training programs.

⛳️ Requirements

• Bachelor's Degree (4 years or equivalent) in Finance, Accounting, Economics, or a similar field.

• Over 3 years of experience in commercial banking, credit analysis, or a related area.

• Expertise in financial modeling, credit risk assessment, and industry analysis.

• Capability to analyze intricate credit situations and propose solutions.

• Strong proficiency in monitoring financial reporting and managing credit agreements.

• Effectively collaborates with RMs, Credit Officers, and external partners.

• Utilizes critical thinking to resolve credit challenges and evaluate risk exposure.

• Skilled in financial analysis tools, CRM systems, and Excel (including pivot tables and financial modeling).

🏝️ Benefits

• Medical, dental, vision, life, and disability insurance.

• Comprehensive leave program.