Commercial Credit Analyst II

Park National Corporation; Dyersburg (TN); Hybrid; USD 60,000 - 80,000; Full time

Job summary

Park National Corporation in Dyersburg, TN, is seeking a qualified candidate for a full-time Underwriter role. Responsibilities include applying the bank's credit culture, conducting cash flow and collateral analysis, and supporting Commercial Lenders in portfolio management.

A minimum of five years of relevant experience and a Bachelor's degree in finance or accounting are required. This position offers flexible work arrangements, combining office and remote work opportunities while traveling to meet clients.

Qualifications

• Minimum five years relevant experience is required.
• Ability to remain stationary 50% of the time and operate a computer up to 50% of the time.
• Willingness to travel to customers and prospects as needed.

Responsibilities

• Apply the bank's credit culture and credit policies.
• Use independent judgment in compiling financial data and credit risk.
• Complete underwriting in compliance with regulations and bank policy.
• Assist Commercial Lenders in portfolio management functions.
• Develop appropriate loan covenants and structures.

Skills

Interpersonal / Customer Service Skills

Written and Verbal Communication

Analytical Thinking

Organizational Skills

Technical Expertise

Education

Bachelor's degree in a business field, preferably finance or accounting

Job description

Responsibilities

• Apply the bank's credit culture and credit policies; considered a policy expert.
• Use independent judgment and critical thinking in compiling key financial data for 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 decisions regarding declination or proceeding in the credit request process.
• Recommend appropriate risk grade, supporting the grade with risks, mitigants, and strengths.
• Act as a valuable resource for the credit write‑up/template and tax return analysis.
• Assist 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, analyze historical performance, and 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 in presenting loan requests to approvers, Senior Lenders, and the 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.
• Maintain data integrity.
• 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 change
• Basic Computer Skills
• Organizational Skills / Detail Oriented
• Analytical ThinkingProblem / Situation Analysis
• Technical Expertise
• Ability to build collaborative relationships
• Ability to develop or mentor others
• Ability to work as part of a team

Schedule

Typical office hours are M‑F 8 a‑5 p. This position is exempt and full‑time. A minimum 40 hours is required per week. Additional time may be necessary based on customer and bank needs. This position is eligible for a flexible work arrangement with opportunity to work both in office and remotely.

Education – Certifications – Work Experience

Bachelor's degree in a business field, preferably finance or accounting. Other concentrations will be considered with at least five years relevant experience required.

Travel Requirements

Travel to customers and prospects is expected.

Physical Requirements

This position must be able to remain in a stationary position a maximum of 50% of the time, constantly operate a computer up to 50% of the time, and be able to be in constant communication with coworkers, customers, or stakeholders to discuss and observe facts and data in order to exchange accurate information.

Equal Opportunity Employer. This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.