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Summary:  

Analyzes, examines, and researches various sources of information to determine the risk/profitability of various commercial credit offerings, modifications, renewals and existing loan relationships.  Provides support to the Commercial Lending department in all phases of loan portfolio maintenance and management.  Communicates clearly with the Bank’s internal and external customers.

• Analyzes and interprets data (ex: credit data, tax returns, financial statements, quality of management, market share, etc.) to prepare organized and complete loan proposals, modifications, renewals, and loan reviews.
• Provides recommendations for approval, denial or alternative structure as well as risk rating based spreading financial data, analyzing company, industry, and real estate data and trends.
• Determines compliance with specific covenants including, but not limited to: debt service coverage, leverage, collateral, guarantors, etc.
• Maintains and updates various portfolio administration reports for various Bank committees, auditors, and management.
• Maintains organized credit files.
• Assists in requesting periodic financial information from borrowers.
• Assists in ordering and reviewing appraisals and environmental reports from Bank vendors.
• Takes a leadership role in credit work process/technology-related special projects, as needed.
• Serves as a member of the Bank’s Loan Quality Committee.

• High School diploma required; Bachelor’s Degree in Business, Accounting or Finance preferred.
• Minimum three years’ banking experience required.
• Developed knowledge of credit, market research, and financial statement analysis techniques required.
• Demonstrated ability to write professional, comprehensive and easy to understand business reviews and financial models required.
• Excellent analytical, decision making, organizational, and time management skills required.

The above statements are intended to describe the general nature and level of work being performed by people assigned to do this job.  The above is not intended to be an exhaustive list of all responsibilities and duties required.

*External and internal applicants, as well as position incumbents who become disabled as defined under the Americans with Disabilities Act must be able to perform the essential job functions (as listed) either unaided or with the assistance of a reasonable accommodation to be determined by management on a case by case basis.