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)
National Bank is seeking a candidate for a full-time Credit Analyst position in Blacksburg. As an experienced analyst, you will analyze new and existing commercial loans through analysis of borrower’s credit history, financial performance, current market trends, collateral, and feasibility. Spread and analyze financial statements, tax returns, and proformas/forecasts for Commercial and Industrial, Commercial Real Estate, and SBA loan requests. Identify risks/mitigants and make recommendations to senior management regarding additional credit enhancements to mitigate credit risk. Support Loan Department by providing appraisal reviews based on third-party data and industry analysis as needed.
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National Bank offers an exceptional benefit package. National Bank offers full-time employees a benefits package that includes health, dental, life, and long-term disability insurance and three retirement plans that include a traditional defined benefit plan, 401K with employer matching contributions and an Employee Stock Ownership Plan. Salary commensurate with experience. Interested applicants should complete an application and attach a resume using the Employment Application link on the right. EOE M/F/disability/veteran
Job Type: Full-time
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Work Location: In person
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