Credit Analyst I

Position Summary:

The Credit Department of TBK Bank, SSB seeks a Commercial Credit Analyst I whose responsibilities include: (i) underwriting credit approval requests for both prospective and existing clients; (ii) working with lending units to ensure ability to accurately evaluate and act on credit applications in a timely manner; (iii) performing ongoing monitoring on existing credits to assist TBK Bank in assessing the quality of the loan portfolio. 

Position Description:

Essential duties and responsibilities include the following:

• Utilize bank resources available training to develop a competency in core credit fundamentals

• Obtain and analyze financial, credit and collateral data to evaluate the creditworthiness of prospective and existing customers, particularly C&I and CRE opportunities.

• Review incoming financial statements on existing customers, updating financial spreads and communicating any concerns with the team lead or credit leadership.

• Analyze financial information received from borrowers and other sources, such as reporting services, credit bureaus, industry data and current credit files to assess credit risk of lending relationships.

• Work collaboratively with loan officers on loan requests in order to facilitate the approval or declination of credit applications.

• Ensure open communication and collaborative efforts exist between the lending teams and the credit staff by clearly communicating progress and/or needs in a timely and precise manner.

• Support loan and credit facility production staff in preparation of written credit proposals and presentation to various credit committees or approvers.

• Ensure that all transactions either conform to the loan policy or ensure that all policy exceptions are disclosed in the credit proposal.

• Ensure existing credit relationships adhere to loan covenants and conditions and that required information is obtained in a timely manner.

• Other duties as assigned.

Qualifications:

• Bachelor’s degree is required, with a major in Accounting, Finance or Economics preferred

• 1-2 years of experience in commercial credit underwriting or related field, preferred

• Strong financial statement analysis and writing skills

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