Institutional Credit Management (ICM) - Commercial Bank Underwriter/ Credit Analyst

Develops working knowledge of industry practices and standards. Ensure that financial data for simple to complex credits are mapped appropriately into the bank's matrix and analysis tool. Provides comments to the judgmental Underwriter on significant items in the financials and may be involved in credit structure and loan pricing. Additional responsibilities may include being a specialist for a designated industry and the effective interaction with Credit Officers and Relationship Managers while providing assistance regarding the analysis of the applications. Spread new, renewal and interim financial statements and business and individual tax returns in accordance with bank guidelines (focus on more complex financial statements (i.e. Not-For-Profit). Provide succinct analysis based on customers, peers, the portfolio, and the industry. Provide preliminary analysis of simple to complex credits, including calculation of cash flow, debt service coverage, collateral coverage, and guarantor net worth. Coordinate with the Credit Officers, Credit Analysts, Other Credit Center Staff and Relationship Managers. Act in an advisory role for the Credit Officers/Relationship Managers on loan agreement/covenants clarification and monitoring. Complete quality assurance reviews to ensure application packages and analysis are thorough and accurate prior to forwarding for underwriting. May act as an industry specialist with responsibility for SBA/EXIM loan analysis 0-2 years prior experience in a financial institution with a focus on credit analysis and spreading software. Extensive knowledge of GAAP accounting, financial regulations, financial products, and credit analysis. Bachelor's/University degree or equivalent experience Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. ------------------------------------------------------ For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------