Job Description

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. 

Essential Duties & Responsibilities

  • 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.

  • Perform other duties as assigned.

Experience & Education

  • 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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Application Instructions

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