Commercial Credit Analyst II

Park National Bank; Charlotte (NC); On-site; USD 95,000 - 130,000; Full time

Job summary

Park National Bank is seeking an experienced credit underwriter in Charlotte, NC to assess loan requests, analyze cash flows, collateral, and industry risks, and prepare comprehensive credit write-ups for lender review.

Ideal candidates will demonstrate strong regulatory compliance, risk assessment, and the ability to mentor junior analysts while supporting portfolio management and loan decision processes.

Qualifications

• Underwrite loans in compliance with bank policy and regulations.
• Analyze cash flows, collateral, and industry risks.
• Prepare credit write-ups and present to lenders.
• Review appraisals and third-party reports.
• Mentor junior analysts as needed.

Responsibilities

• Apply credit culture and policies; act as policy expert.
• Compile financial data to assess repayment capacity.
• Undertake underwriting in line with regulations and bank policy.
• Accept requests from borrowers and decide to proceed or declinate.
• Recommend risk grades with justifications.
• Assist in portfolio management and annual review processes.
• Analyze financial statements and tax returns; review proformas.
• Develop loan covenants and structures.
• Support loan closings and document prep with outside counsel.
• Present credit requests to approvers and committees.
• Gather third-party borrower information and reconcile inconsistencies.
• Prepare reports and monitor financial metrics.
• Maintain compliance and risk management awareness.
• Deliver high service levels.
• Other duties as assigned.

Skills

Credit underwriting

Financial analysis

Risk assessment

Loan documentation

Regulatory compliance

Job description

*This role is not eligible for sponsorship*

RESPONSIBILITIES

• Soundly apply the bank’s credit culture and credit policies; is considered a policy expert
• Use independent judgment and critical thinking in the compilation of key financial data for the accurate representation of credit risk in loan requests including global cash flow analysis, collateral analysis, industry analysis, management analysis, and overall repayment capacity
• Independently complete underwriting in accordance with current regulations, compliance terms, bank policy, and legal requirements
• Accept credit requests directly from borrowers; make initial decision with regard to declination or proceeding in the credit request process
• Recommend appropriate risk grade, supporting the grade with risks, mitigants, and strengths
• Considered a valuable resource for the credit write-up/template and tax return analysis
• Proactively assist the Commercial Lenders in portfolio management functions including seeking out and assisting in the annual review process, loan review preparation, and in regulatory examinations; may manage said processes and examinations
• Spread financial statements and tax returns and analyze historical performance; review proformas for reasonableness
• Develop appropriate loan covenants to provide advance warning of potential credit risk and mitigate losses; develop proper loan structures
• Assist in the training of junior analysts as needed; may manage a small group of other credit analysts or related positions
• Review and analyze appraisals for market, credit, construction, and economic risks
• Understand more complicated loan documents; assist Commercial Lenders in working with outside legal counsel to prepare and execute loan documentation
• Participate in customer meetings; independently inspect properties; prepare customer communication on behalf of the Commercial Lender; handle simple loan closings for the Commercial Lender; work with customers in obtaining updated financial statements
• Assist Commercial Lenders with presenting loan requests to approvers, Senior Lenders, and Loan Committee as needed; attend and participate in other meetings; may present credit requests on behalf of Commercial Lenders
• Obtain, analyze, and incorporate third-party borrower information (e.g., credit reports); research inconsistencies
• Prepare pertinent reports, track financial information and receipt thereof
• Work with the Commercial Lender on classified assets and reporting thereof
• Maintain awareness of and adherence to Bank’s compliance requirements and risk management concepts, expectations, policies and procedures and apply them to daily tasks.
• Deliver a consistent, high level of service within our Serving More standards.
• Other duties as assigned.

COMPETENCIES

• Interpersonal/Customer Service Skills
• Written and Verbal Communication
• Ability to understand and follow directions
• Adaptable to changeOops