Commercial Credit Analyst collects, reviews, and analyzes data to prepare a detailed credit analysis that evaluates the terms and creditworthiness of commercial loan applications. Uses multiple sources of information, including financial statements, collateral appraisals, credit scores, and cash flow analysis, to assign risk ratings to loans and complete an analysis of the applicant's financial status. Being a Commercial Credit Analyst calculates debt-to-income (DTI) ratios to evaluate an applicant's ability to repay the loan. Prepares credit memos in a standardized format that includes key ratios, supporting information, an executive summary, and objective recommendations. Additionally, Commercial Credit Analyst presents credit reports to loan officers and loan committees. Requires a bachelor's degree. Typically reports to a supervisor or manager. The Commercial Credit Analyst work is closely managed. Works on projects/matters of limited complexity in a support role. To be a Commercial Credit Analyst typically requires 0-2 years of related experience. (Copyright 2024 Salary.com)
The C&F Bank internship program offers undergraduate and graduate students, as well as recent graduates an opportunity to gain exposure to the inner workings of Commercial and Industrial (C&I) and Commercial Real Estate (CRE) and Small Business Lending. During the summer students participate in our comprehensive program where they will receive training and develop their skills and knowledge under the guidance of experienced professionals at C&F Bank.
Interns will be part of an program that includes:
Students will provide financial analysis support to Consumer, Business and Commercial Credit Analysts as well as Senior Underwriters. Key responsibilities will include analyzing financial statements and credit information and preparing and assisting in the formulation of credit presentations.
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