Credit Products Analyst II – Commercial Banking

📋 Description

• Execute financial spreading and conduct risk rating evaluations.

• Carry out thorough credit due diligence and industry analysis.

• Compile annual and periodic credit assessments.

• Oversee borrower performance and monitor financial covenants.

• Suggest adjustments to risk ratings based on financial patterns.

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

• Draft internal credit approval documents.

• Perform market and collateral evaluations.

• Review and analyze due diligence reports.

• Collaborate with Relationship Managers to create financing-related presentation materials.

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

• Contribute to initiatives aimed at process enhancement.

• Pursue professional growth through credit training programs.

⛳️ Requirements

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

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

• Expertise in financial modeling, credit risk evaluation, and industry research.

• Capability to analyze intricate credit scenarios and propose solutions.

• Strong aptitude for tracking financial reporting and overseeing credit agreements.

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

• Employs critical thinking to address credit challenges and evaluate risk exposure.

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

🏝️ Benefits

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

• Comprehensive leave program.