Credit Analyst II

Job Summary

Responsible for providing a sound, independent and objective assessment and recommendation on risk factors associated with large, complex structures & transactions related to Commercial and Industrial (C&I) & Corporate Enterprises. This position will also assist in the credit risk management and maintenance of credit quality for the respective assigned portfolio by monitoring relationship trends, clearing of exceptions, properly assessing and evaluating credit risk and other key factors, and providing recommendations and credit solutions which are appropriate to the relationship risk profile.

Essential Duties & Responsibilities:

Spread financial statements in spreading software, prepare comprehensive analysis, and credit approval package according to Bank credit programs and policy.
Accurately review and measure the financial condition and operating performance of commercial and corporate enterprises for new loan exposures, existing loan exposures, increases, and modifications of terms/conditions.
Provide an independent and objective assessment of risk factors associated with revolving lines of credit, trade financing, asset-based facilities, owner-occupied loans, including income producing properties for private or publicly traded business enterprises, and other specialized loan structures within the Bank's credit policies, and make recommendations on conditions/covenants relating to loan structure to adequately assess the risk involved in the proposed facilities.
Ability to meet the requirement of completing at a minimum one large & complex financial analysis per week with a high degree of accuracy in terms of figures and credit risk assessment, with minimum supervision.  Responsibility will also include the proper identification of loan policy exceptions and identification of industry/loan structure specific risks/issues with appropriate mitigating factors.
Interact with Relationship Managers [RM] to enhance the quality of information for underwriting purposes. Acts as a consultant to business lines regarding credit issues, processes and procedures.
Functions as a resource for business lines and works with senior management on various issues, as needed.
Back up function for other operational roles performed in the department, as required by supervisor.
Assist in the training process of new credit analysts and/or interns. Specifically, assist the trainees in the following: adopting the operating procedures of the department, the various formats used, and credit criteria applied to the different types of analysis.
Ability to identify, evaluate, monitor and make any recommendation deemed necessary to the supervisor in order to assess, reduce, eliminate or control any current or prospective risks to earnings or capital arising from violations of, or nonconformance with, laws, rules, regulations, prescribed practices, internal policies and procedures or ethical standards.
Ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to BSA, USA Patriot Act, OFAC and other AML related issues. 
Participation in various appointed committees and/or outside organizations, representing both the Credit Services Unit and Bank.
Assist in the loan structuring process and review of legal covenants in conformity with the Bank’s policies and procedures. This also includes assisting Head of Segments and Relationship Managers in collaborating with other bank units such as Credit Administration, Loan Operations, Credit Services, Closing areas, and Credit Risk.

Credit Analyst II

Job Summary

Essential Duties & Responsibilities:

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