Commercial Credit Analyst

gpac; Reedsburg (WI); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Competitive pay

Benefits package

Advancement prospects

Job summary

gpac is seeking a Commercial Credit Analyst in Wisconsin to support lenders in underwriting requests for credit extensions to commercial loan clients. The role involves detailed financial analysis, preparing credit approvals, and annual reviews as needed.

The analyst will ensure compliance with credit policies and timely collection of financial statements, updating information to maintain current reporting and supporting loan officers with thorough documentation.

Qualifications

• Must have 2+ years of experience in a bank/credit union as a Credit Analyst.
• Proficient in financial ratio analysis and credit risk assessment.
• Experience preparing loan submissions and memorandums.

Responsibilities

• Analyze financial statements and agency reports for lending opportunities.
• Make recommendations to Loan Officers on loan approvals or denials with supporting submissions.
• Identify trends in financial data and interpret key ratios.
• Document analyses with spreadsheets and credit memorandums.
• Coordinate tasks within the department to ensure smooth information flow.
• Provide assigned reports and perform annual reviews of loan relationships.

Skills

Financial analysis

Credit underwriting

Credit analysis

Spreadsheets

Tools

Excel

Job description

POSITION SUMMARY

The Commercial Credit Analyst will support the lenders in underwriting requests for credit extensions to new and existing commercial loan clients. The right credit analyst will perform detailed financial analysis for all lending opportunities, prepare credit approval and modification requests for presentation to loan committee by the lenders, perform annual credit reviews as needed. As a credit analyst you will ensure compliance with the organization's credit policies and procedures, timely collection and spreading of interim and annual financial statements provided by clients, and update financial information to maintain current reporting.

Primary Responsibilities

• Analyses data (i.e. financial statements, agency reports) on prospective and active borrowing accounts and prepares written reports evaluating the short and long-term prospects of the individual or company.
• Makes recommendations to Loan Officers on the granting or denying of loans and prepares sufficient information (i.e. loan submissions) to document recommendations.
• Identify and interpret trends in financial data. Interpret key financial ratios (e.g. cash flow to debt service, debt-to-equity, etc.)
• Provides thorough documentation of all financial analysis via spreadsheets and written credit offering memorandums.
• Suggests a loan grade after conducting a thorough credit analysis and documentation review.
• Coordinates specific work tasks within the department in order to ensure the smooth and efficient flow of information.
• Provides assigned reports.
• Performs annual review of loan relationships.
• Must have 2+ years experience in a bank/credit union as a Credit Analyst.

Benefits

• Competitive compensation package
• Great benefits package including: generous PTO, health, dental, vision, automatic 401(k) % contribution
• Opportunity for advancement and leadership roles

All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations.