Job Details

The Credit Analyst I collaborates with relationship managers in gathering and evaluating commercial credit related information on current and prospective customers by preparing written reports of analysis which include in-depth analysis of financial statements, historical and projection-based cash flow and ratio analysis, suggested credit structure, general industry analysis and identified risks. ESSENTIAL DUTIES AND RESPONSIBILITIES - Reads, reviews, and understands various financial statements to include but not limited to; tax returns, balance sheets, profit and loss statements, agings, borrowing base certificates, debt schedules, equipment lists, credit bureau reports, and rent rolls. Prepares financial spreads for various types of commercial and real estate businesses and individuals acting as direct obligation borrowers or guarantors. Analyzes credit worthiness of commercial applicants and guarantors as appropriate by reviewing the loan application, spreading historical based fin...Credit Analyst, Training, Relationship Manager, Program, Analyst, Financial, Technology, Banking