Commercial Credit Analyst

Jobtailor; Cincinnati (OH); On-site; USD 65,000 - 95,000; Full time

Job summary

Jobtailor is seeking a Commercial Banking Credit Analyst to conduct underwriting and ongoing credit monitoring in a fast-paced environment. You will prepare credit approval memos, review financial statements, and support portfolio reviews with detailed analysis.

The role requires a strong foundation in financial modeling, risk assessment, and knowledge of banking products. Proficiency in Excel and internal banking systems is essential for success.

Qualifications

• Bachelor's degree in Business (e.g., Finance, Accounting, or Business Administration) required.
• 2+ years of Commercial Banking credit analysis experience preferred.
• Strong financial and risk analysis skills with financial modeling ability.
• Knowledge of banking products and services and U.S. regulations helpful.
• Proficient in internal banking applications and Microsoft Office.

Responsibilities

• Complete underwriting and credit-monitoring duties.
• Draft and review credit approval documents and memos.
• Perform portfolio analysis and monitoring, including covenant tracking.
• Prepare risk assessments, projections, and term sheets.
• Support portfolio reviews and senior leadership with reporting.

Skills

Credit Analysis

Financial Modeling

Risk Assessment

Portfolio Monitoring

Attention to Detail

Task Management

Verbal Communication

Written Communication

Education

Bachelor's degree in Business (Finance/Accounting/Business Admin)

Tools

Microsoft Excel

Internal Banking Applications

Job description

• Complete daily underwriting and credit-monitoring duties


• Perform analytical activities and identify risks or issues


• Draft credit approval documents and review memos for loans and ancillary products


• Build proficiency in underwriting and complete increasingly complex credits with limited oversight


• Attend and support Portfolio Reviews as needed


• Monitor Credit Excellence and initiate collection of financial statements for renewals and periodic reviews


• Prepare credit approval memos with company and industry descriptions, credit risks, historical analysis, projection assumptions, and terms and conditions


• Conduct ongoing portfolio monitoring, including covenant tracking, financial statement reviews, and risk-rating models


• Verify and monitor covenants, track past-due or noncompliant covenants, and recommend action


• Review completed spreads and resolve edits or corrections with the CCU team


• Generate pipeline and portfolio reporting for credit leadership and other stakeholders


• Prepare Criticized Period Reviews reports with oversight


• Run projection models and complete underwriting with limited oversight


• Prepare portfolio analysis and Portfolio Review materials


• Ensure accuracy, integrity, and timeliness of credit data


• Resolve data, documentation, or analysis deficiencies and elevate questions


• Identify emerging risks or negative trends and escalat...?? Wait, original: "escalate appropriately" - correct.
  
• Maintain knowledge of Bancorp credit policies, guidelines, and procedures


• Perform Borrowing Entity PD Ratings and Obligation LGD Ratings


• Assist with training and onboarding of new employees


• Support special projects or ad hoc analysis as assigned

Requirements

• Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting)


• 2+ years of Commercial Banking credit analysis experience


• Sound financial and risk analysis understanding, including ability to develop financial models


• Extensive knowledge of banking products and services


• Knowledge of corporate business structure and legal documents


• General knowledge of U.S. government and regulation


• Proficiency in internal banking applications


• Strong verbal and written communication skills


• Strong problem-solving and analytical skills


• Ability to manage and prioritize multiple tasks with close attention to detail


• Proficient in all Microsoft Office software

Core Competencies

Demonstrates expertise in credit analysis, financial modeling, and risk assessment within commercial banking. Proficient in preparing credit approval documents and conducting portfolio monitoring while ensuring compliance with banking policies and regulations.

Highest-signal resume keywords

• Credit Analysis


• Financial Modeling


• Risk Assessment


• Portfolio Monitoring


• Banking Products Knowledge

Hard Skills

• Credit Approval Documentation


• Financial Statement Review


• Covenant Tracking


• Analytical Activities


• Projection Models


• Data Integrity


• Risk-Rating Models


• Borrowing Entity PD Ratings


• Obligation LGD Ratings


• Credit Data Management

Soft Skills

• Strong Verbal Communication


• Strong Written Communication


• Problem-Solving Skills


• Attention to Detail


• Task Management

Industry Keywords

• Commercial Banking


• Financial Analysis


• Banking Policies


• U.S. Government Regulations


• Corporate Business Structure

Tools & Technologies

• Microsoft Office


• Internal Banking Applications