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)
Job Summary
The Loan Review Officer is responsible for performing a variety of loan review activities which aid in the evaluation of Northwest's commercial loan portfolio including collecting loan and information system data, analyzing documentation and financial data, and establishing account risk ratings. The Loan Review Officer will be responsible for providing the Loan Review Manager with objective evaluations of the overall credit quality of the Bank as included from time-to-time compliance with policies and procedures and other portfolio trends including geographic concentrations, climate risk and emerging credit risks.
Essential Functions
Education and Experience
Location
This position may be performed in a hybrid capacity across our footprint or remotely.
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