Commercial Credit Analyst jobs in the United States

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)

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Credit Analyst
  • Credit Analyst
  • Canfield, OH FULL_TIME
  • To use all information in creating a clear picture of the customer’s financial position. This is vital to the Lenders; it allows them to make well informed decisions before entering into a lending relationship with the customer.

    ESSENTIAL DUTIES and RESPONSIBILITIES include, but are not limited to the following:

    • Compose analysis based on historic, projected, and stressed financial information. This analysis will clearly illustrate the customer’s ability to re-pay the requested amount, and is accomplished by creating cash flow statements for each participant and writing an analysis of their performance over the past three (3) years.
    • Project the customer’s performance for the next year by using customer prepared projections, analyst prepared projections, or a combination thereof.
    • Effectively communicate with the lenders to clearly understand all factors contributing to the loan request.
    • Generate questions to the lender for the purpose of completing the credit presentation, accuracy of cash flow, and to resolve any other discrepancies in the underwriting.
    • Translate and interpret financial data from tax returns, compilations, reviews, and audited statements; personal statements; and other financial statements to create spreads utilizing WebEquity software.
    • Access Kroll Factual Data to obtain and analyze Tri-Merge Credit Bureau reports on individual participants in the request
    • Utilize web sources, such as the Ohio Secretary of State or the Mahoning County Auditor to retrieve other necessary information
    • Access Fiserv/Viewpoint to research the customer’s complete deposit and loan relationship with the Bank
    • Recognize the level of analysis that is appropriate for the request
    • Retrieve industry information through First Research and demographic information through SNL financial via the Internet.
    • Perform reviews for Special Assets’ commercial relationships
    • Establish/organize all loan information in credit file
    • Attend meetings with lenders and clients as needed
    • Accurately risk grade borrowers, co-borrowers, and guarantors
    • Ensure proper aggregate exposure and coding of credit facilities, both new and existing
    • Review appraisals and environmental reports to ensure accurate collateral analysis
    • Understand various business entities structures and required documents needed for verification
    • Understand and apply credit policies and procedures
    • Attend and participate in weekly staff meetings and training
    • Special projects assigned by Commercial Credit Manager as needed
    • Complete all mandatory and elective training, including BSA (Bank Secrecy Act) and Anti-Money Laundering procedures. Maintain compliance with all appropriate rules and regulations
    • Regular, predictable attendance is an essential requirement of this position

    EDUCATION and/or EXPERIENCE:

    • Bachelor’s degree (BA) in Accounting or Finance from four (4) year college or university
    • Minimum of one (1) year commercial credit analyst experience
    • Strong background in working with financial statement and advanced understanding of the information available on financial statement and how they related to the customer’s business operations and ability to repay loan.
    • Knowledge of Word, Excel, and Outlook and Internet navigation/research is expected
    • Ability to clearly and effectively communicate both verbally and in writing

    Farmers National Banc Corp. is an Equal Opportunity Employer: disability/veteran

    Education

    Required
    • Bachelors or better in Finance or related field

    Skills

    Required
    • Microsoft Excel
    • Credit Analysis
    Preferred
    • Risk Management
    • Commercial Lending

    Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

    The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)

  • 8 Days Ago

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Credit Analyst
  • Commercial Credit Group Inc.
  • Salt Lake City, UT FULL_TIME
  • Commercial Funding Inc. (CFI) is a national accounts receivable finance, factoring and asset-based lending company located in Salt Lake City, UT. We are a subsidiary of Commercial Credit, Inc., one of...
  • Just Posted

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Commercial Credit Analyst I
  • Heritage Financial Credit Union
  • Middletown, NY FULL_TIME
  • Description Heritage Financial Credit Union is a member-owned financial institution that is committed to helping our members achieve their financial goals and building a stronger community. We believe...
  • 19 Days Ago

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Commercial Credit Analyst
  • Cobalt Credit Union
  • Papillion, NE FULL_TIME
  • Commercial Credit Analyst Cobalt Credit Union - Headquarters 7148 Towne Center Parkway Papillion, NE 68046 Hours: Monday through Friday 8:00am to 5:00pm As our Commercial Credit Analyst, you will util...
  • Just Posted

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Commercial Credit Analyst
  • The Atlantic Federal Credit Union
  • UNKNOWN, NJ FULL_TIME
  • Description: Works with the Commercial Credit Manager to help assess the credit worthiness of customers and loan risk. Responsible for the loan underwriting and creation of credit approval packages, a...
  • 3 Days Ago

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Commercial Credit Analyst
  • Lafayette Federal Credit Union
  • Kensington, MD FULL_TIME
  • If you are an experienced and knowledgeable COMMERCIAL CREDIT ANALYST looking for a great opportunity in a growing team atmosphere and are committed to delivering an unmatched level of customer satisf...
  • 4 Days Ago

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Bookkeeper
  • Bernstein Management Corporation
  • Washington, DC
  • Bernstein Management Corporation (BMC) has been a regional leader in real estate management for 70 years. BMC's investme...
  • 3/28/2024 12:00:00 AM

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SBA Senior Loan Auditor
  • Williams Adley
  • Washington, DC
  • Company Overview: For more than 40 years, Williams Adley has provided expert accounting, auditing, and consulting servic...
  • 3/28/2024 12:00:00 AM

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Supervisory Airway Transportation Systems Specialist (SSC Manager)
  • Department of Transportation
  • Leesburg, VA
  • ** Supervisory Airway Transportation Systems Specialist (SSC Manager)** **Department of Transportation** ** Eastern Regi...
  • 3/28/2024 12:00:00 AM

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Acquisition Program Manager - Senior/Expert Level
  • National Reconnaissance Office (NRO)
  • Chantilly, VA
  • WE ARE THE NRO For sixty years, the NRO has developed, acquired, launched and operated the satellites that are the found...
  • 3/28/2024 12:00:00 AM

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Accounts Receivable Billing Specialist/Accounts Payable
  • Dunn's Floor Covering, Inc.
  • Jessup, MD
  • Job Description Job Description Accounts Receivable/Billing Create and issue invoices for customers Process credit memos...
  • 3/27/2024 12:00:00 AM

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Structural Engineer 5- Transmission Line- Tualatin, OR- Hybrid
  • Black & Veatch
  • Gaithersburg, MD
  • **Structural Engineer 5- Transmission Line- Tualatin, OR- Hybrid** Date: Mar 4, 2024 Location: US Tualatin, OR, US Compa...
  • 3/26/2024 12:00:00 AM

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Project Controls Analyst
  • Black & Veatch
  • Gaithersburg, MD
  • **Project Controls Analyst** Date: Mar 7, 2024 Location: Overland Park, KS, US US Ann Arbor, MI, US Burlington, MA, US H...
  • 3/26/2024 12:00:00 AM

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Criminal Investigator (Special Agent) - Direct Hire 'AMENDED'
  • Department Of The Treasury
  • Rockville, MD
  • Duties WHAT IS THE CRIMINAL INVESTIGATION (CI) DIVISION? A description of the business units can be found at: https://ww...
  • 3/26/2024 12:00:00 AM

Income Estimation for Commercial Credit Analyst jobs
$52,625 to $68,897