Commercial Credit Analyst II

Park National Bank; Dyersburg (TN); Hybride; USD 60 000 - 80 000; Plein temps

Résumé du poste

Park National Bank is looking for a full-time credit analyst in Dyersburg, TN, to manage credit risk, assist Commercial Lenders, and provide valuable insights on financial data. The ideal candidate will have a Bachelor's degree in finance or accounting along with at least five years of relevant experience.

This position allows for flexible work arrangements, combining both office and remote work. Strong interpersonal skills and the ability to work collaboratively are essential, with a focus on service quality within compliance standards.

Qualifications

• Bachelor's degree in business, preferably finance or accounting.
• Five years of relevant experience required.

Responsabilités

• Apply credit culture and policies as a policy expert.
• Independently complete underwriting per regulations and compliance.
• Assist Commercial Lenders in portfolio management and regulatory examinations.
• Analyze financial statements and develop appropriate loan covenants.
• Maintain compliance with bank's requirements and policies.

Connaissances

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 Thinking

Problem/Situation Analysis

Technical Expertise

Ability to build collaborative relationships

Ability to develop or mentor others

Ability to work as part of a team

Formation

Bachelor's degree in a business field

5 years relevant experience

Description du poste

CTN Dyersburg Downtown 200 W Court St Dyersburg, TN 38024, USA

• 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 change
• Basic Computer Skills
• Organizational Skills/Detail Oriented
• Analytical Thinking
• Problem/Situation Analysis
• Technical Expertise
• Ability to build collaborative relationships
• Ability to develop or mentor others
• Ability to work as part of a team

Typical office hours are M-F 8a-5p. 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.