Commercial Credit Analyst jobs in Columbus, OH

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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Commercial Credit Analyst - E
  • SB Financial Group Inc.
  • Dublin, OH FULL_TIME
  • Education

    A B.S. or B.A. degree in Finance or a related field of study preferred; specialized financial analysis training.


    Experience

    A minimum of three (3) years of experience in financial analysis normally required; five (5) years of experience preferred.


    Preferred Skills

    • Proficient reading, writing, grammar, and mathematics skills.
    • Moderate interpersonal relations and communicative skills.
    • A thorough knowledge and understanding of current lending and loan review regulations and banking regulations, procedures, and operations.
    • Proficient ability to analyze and interpret financial statements.
    • Visual and auditory skills.


    Role and Responsibilities

    Responsible for performing administrative duties to support the credit analysis function; achieving goals as established in the assigned department's annual operating plan; coordinating work within the unit or department, as well as with other units or departments; complying with operating policies and procedures established for the credit analysis function; communicating with appropriate personnel; responding to inquiries or requests for information; maintaining appropriate records and providing assigned reports.


    Essential Duties

    1. Performs administrative duties to support the credit analysis function of which the following are illustrative:

    • Receives data on prospective and active borrowing accounts, i.e., financial statements, agency reports, and interview and investigation sheets.
    • Analyzes data and evaluates the short- and long-run prospects of the individual or company.
    • May make recommendations to appropriate personnel on the granting or denying of loans; prepares sufficient information to document recommendations, if assigned to a lending function.
    • If assigned to the loan review function, may suggest a loan grade after conducting a thorough credit analysis and documentation review.
    • Provides thorough documentation of all financial analysis work, including ratios and other related information.
    • Insures that all credit analysis activities are conducted in accordance with prescribed lending policy.


    2. Achieves goals assigned to the Commercial Credit Analyst as part of the assigned department's annual operating plan.


    3. Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of sexual harassment and other forms of illegal discriminatory behavior in the work place.


    4. Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management, overall safety and soundness, and the bank’s compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Bank Secrecy Act (BSA), Equal Credit Opportunity Act, etc.


    5. Coordinates departmental tasks with coworkers inside and outside the department in order to ensure an efficient process and the completion of essential tasks needing proper segregation of duties.


    6. Complies with established operating policies and procedures in order to maintain adequate controls and to support the Bank's adherence to outside regulatory requirements.


    7. Reports pertinent information to the immediate supervisor as requested, or according to an established schedule; complies information as necessary or as directed and provides date to appropriate bank personnel.


    8. Provides leadership, on-the-job training, and technical guidance to Credit Analyst Trainee(s).


    9. Provide recommendations for on-going training for the department.


    10. Responds to inquiries relating to his/her particular area, or to requests from other bank personnel, customers, etc., within given time frames and within established policy.


    11. Maintains appropriate records and provides assigned reports.


    12. Other duties as assigned.


    Ancillary Duties

    • Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual or departmental circumstances.


    Physical Requirements

    • Occasionally ascends/descends stairs to move through the different floors of the location.
    • Must be able to remain in a stationary position more than two-thirds of the time.
    • The person in this position needs to occasionally move about inside the office to accomplish tasks.
    • Frequently communicates with others to exchange information.
    • Constantly moves wrists, hands, and/or fingers.
    • Must be able to assess the accuracy, neatness, and thoroughness of the work assigned.
    • Must be able to work around noisy environments.
    • No adverse environmental conditions expected.
    • Sedentary work that primarily involves sitting/standing.

  • 1 Month Ago

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Credit Analyst
  • Sky Climber Access Solutions
  • Delaware, OH FULL_TIME
  • The Sky Climber brand represents a multinational family of companies brought together to meet a variety of safe access needs across several business verticals. Through its various businesses, Sky Clim...
  • 15 Days Ago

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Credit Analyst
  • Sky Climber, LLC
  • Delaware, OH FULL_TIME
  • Overview The Sky Climber brand represents a multinational family of companies brought together to meet a variety of safe access needs across several business verticals. Through its various businesses,...
  • 16 Days Ago

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Commercial Loan Closer
  • Telhio Credit Union
  • Columbus, OH FULL_TIME
  • Position: Commercial Loan Closer Location: Columbus, OH Job Id: 637 # of Openings: 2 Formed in 1934, Telhio Credit Union began as a credit union for Columbus Telephone Company (now AT&T) employees. 90...
  • 16 Days Ago

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Commercial Business Development Officer
  • KEMBA Financial Credit Union
  • Columbus, OH FULL_TIME
  • Title: Commercial Business Development Officer III Reports to: Business Services and SBA Lending Manager Supervises: None Status: Exempt Objective Commercial Business Development Officer is responsibl...
  • 7 Days Ago

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Accounts Receivable Reporting Analyst
  • Commercial Vehicle Group
  • Albany, OH FULL_TIME
  • Position Summary: The Accounts Receivable Reporting Analyst is responsible for leveraging data to generate actionable insights that drive increased operational efficiency and support cross-functional,...
  • 13 Days Ago

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0 Commercial Credit Analyst jobs found in Columbus, OH area

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Senior Mechanical Engineer - Rotating Equipment - US Hybrid
  • Black & Veatch
  • Columbus, OH
  • **Senior Mechanical Engineer - Rotating Equipment - US Hybrid** Date: Feb 27, 2024 Location: US Company: Black & Veatch ...
  • 3/19/2024 12:00:00 AM

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Operations Process Consultant
  • Huntington Bancshares Inc
  • Columbus, OH
  • Description Provides advanced support for assigned business process and/or system within a business unit which includes ...
  • 3/18/2024 12:00:00 AM

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Server
  • Red Robin Gourmet Burgers
  • Columbus, OH
  • Front of House Team Members**Red Robin** isn't your typical burger restaurant. We're a team filled with unbridled energy...
  • 3/18/2024 12:00:00 AM

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Inventory Specialist
  • Rumpke
  • Columbus, OH
  • Inventory Specialists are responsible for ensuring the availability of parts for the maintenance department in a cost-ef...
  • 3/18/2024 12:00:00 AM

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Bartender
  • Red Robin Gourmet Burgers
  • Columbus, OH
  • Front of House Team Members**Red Robin** isn't your typical burger restaurant. We're a team filled with unbridled energy...
  • 3/16/2024 12:00:00 AM

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Senior Analyst- Model Validation (US REMOTE)
  • Ally
  • Columbus, OH
  • **General information** **Ref #** 17030 **Remote?** Yes **Ally and Your Career** * Ally Financial only succeeds when its...
  • 3/16/2024 12:00:00 AM

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Structural Engineer 5- Transmission Line- US Hybrid
  • Black & Veatch
  • Columbus, OH
  • **Structural Engineer 5- Transmission Line- US Hybrid** Date: Feb 22, 2024 Location: US Company: Black & Veatch Family o...
  • 3/15/2024 12:00:00 AM

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Electrical Engineer 4 - Power System Protection
  • Black & Veatch
  • Columbus, OH
  • **Electrical Engineer 4 - Power System Protection** Date: Feb 24, 2024 Location: Irvine, CA, US US Company: Black & Veat...
  • 3/15/2024 12:00:00 AM

The confluence of the Scioto and Olentangy rivers occurs just north-west of Downtown Columbus. Several smaller tributaries course through the Columbus metropolitan area, including Alum Creek, Big Walnut Creek, and Darby Creek. Columbus is considered to have relatively flat topography thanks to a large glacier that covered most of Ohio during the Wisconsin Ice Age. However, there are sizable differences in elevation through the area, with the high point of Franklin County being 1,132 ft (345 m) above sea level near New Albany, and the low point being 670 ft (200 m) where the Scioto River leaves...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Commercial Credit Analyst jobs
$51,671 to $67,648
Columbus, Ohio area prices
were up 1.3% from a year ago

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