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)
City National Bank and Trust
Job Description: Credit Administration Officer
Department: Lending
Status: Full time
Description: The Credit Administration Officer is responsible for managing and coordinating the clerical, administrative processing and underwriting functions of the bank’s lending operation. Develops, defines, recommends, and supervises overall policies and procedures. Provides advice and guidance to others engaged in loan activities to ensure that loans are properly processed and that adequate controls are maintained. Attends and maintains loan officer training. Works with the Compliance Officer to insure regulatory compliance is in place.
Responsibilities: This position reports directly to the Chief Lending Officer.
Requirements:
Other Duties: Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibility that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
Training to Include:
Physical Demands: This position is largely a sedentary role, requiring the ability to use typical office equipment such as a computer, laptop and cell phone, with most work completed in a professional office environment. The ability to travel to other locations is required.
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