Commercial Credit Analyst II

Park National Bank; Franklin (TN); Hybrid; USD 70,000 - 90,000; Full time

Job summary

Park National Bank in Franklin, TN is seeking a Commercial Credit Analyst II to join the loan analysis team. The role requires processing credit requests, performing risk assessments, and supporting the commercial lending group with underwriting and portfolio management.

The candidate will review financial statements, tax returns, and proformas, using independent judgment to ensure accurate risk representations. Hybrid in-office/remote work is available.

Qualifications

• Bachelor's degree in business field with at least five years relevant experience.

Responsibilities

• Soundly apply the bank’s credit culture and policies; act as a policy expert.
• Analyze global cash flow, collateral, industry, management, and repayment capacity.
• Undertake underwriting in line with regulations, bank policy, and legal requirements.
• Handle credit requests from borrowers; decide on declination or proceeding.
• Develop loan covenants and structures to mitigate risk and support decisions.

Skills

Interpersonal/Customer Service Skills

Written and Verbal Communication

Ability to understand and follow–dire

Adaptable to change

Basic Computer Skills

Organizational Skills/Detail Oriented

Analytical Thinking

Problem/Situation Analysis

Technical Expertise

Ability to collaborate

Mentoring others

Teamwork

Education

Bachelor's degree in business field

Job description

If you are a job seeker with a disability and require a reasonable accommodation to apply for one of our jobs, you will find the contact information to request the appropriate accommodation by visiting the following our Accessibility Accomodation for Applicants page.

Commercial Credit Analyst II

• Posted on October 21, 2026

Locations

Showing 1 location

Franklin, TN 37067, USA

• Hybrid
• Commercial
• Full-Time
• Requisition #: COMME007042

Description

***Sponsorship not available

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 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

SCHEDULE

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

P HORIZONTAL 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.