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)
Are you looking for a new opportunity that offers career development/training, ability to work in a collaborative team environment, and provides great work/life balance?
Qualified candidate may work in the Reedsville, PA or Frederick, MD branch locations. The hours of operation are typically, Monday to Friday from 8 a.m. to 4:30 p.m. This position is eligible for hybrid work schedule after 6 months of successful employment. This is a great opportunity to make a difference for agriculture and rural communities.
This position will serve as a confident financial professional through the delivery of sound credit and financial services within regulations and policies. Accurately and efficiently analyzes and underwrites loans in a sound manner to prospective and existing borrowers. Works closely with loan officers to structure, condition, and approve credits for our borrowers. Develops relationships with large or complex customers to more accurately and efficiently analyze the credit. Promotes related services, participates in credit decisions, and maintains a favorable Farm Credit image. Provides training and guidance to less tenured staff.
Areas of Responsibility Include but not limited to:
Based on Size, Scope, and Risk in the overall credit facility; complete the following:
REQUIREMENTS:
Salary Range: $49,200 - $75,400, depending on previous experience.
Equal Opportunity Employer including veterans and individuals with disabilities.
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0 Commercial Credit Analyst jobs found in Altoona, PA area