Minimum Job Requirements:

Prior experience (minimum 5 years) as a commercial credit analyst in a financial institution preferred.

• Bachelor’s degree in business, finance or accounting or an equivalent combination of work experience and education.
• Basic knowledge of bank regulations and general commercial lending practices.
• Fluent using Microsoft Word & Excel and financial spreading software.
• Valid state Drivers’ license
• Complete understanding of significant ratios derived from spreading financial statements and the ability to analyze the financial health of an entity based on significant ratios and changes over time in those ratios.
• Knowledge of commercial & commercial real estate underwriting required.
• Knowledge of residential and consumer lending areas desired.
• Understanding of business entities and the unique legal, accounting, and taxation requirements of each.
• Knowledge of borrowers, co-borrowers obligors and guarantors.
• Understanding of types and characteristics of real and personal property ownership.
• Understanding of the laws of creditor’s rights with respect to real and personal property.
• Working knowledge of loan documentation and covenants under various structures
• Good communication skills required.
• Business grammar and letter writing skills.