Commercial Credit Analyst II

Park National Bank; Greenville (SC); Hybrid; USD 65.000 - 85.000; Vollzeit

Zusammenfassung

Park National Bank in Greenville, SC seeks a Commercial Credit Analyst II to join our underwriting team. The role focuses on applying credit culture, analyzing cash flow, collateral, and industry risks, and delivering compliant loan underwriting in a hybrid work setting.

The ideal candidate has a bachelor's degree in business and at least five years of relevant experience, with the ability to coordinate with lenders, customers, and outside counsel. Travel to customers is expected.

Qualifikationen

• Bachelor's degree in business field, preferably finance or accounting; five years relevant experience required.
• Experience in credit underwriting, financial statement analysis, cash flow, and collateral analysis.
• Ability to apply credit culture and bank policies in underwriting and risk assessment.

Aufgaben

• Soundly apply the bank’s credit culture and credit policies; is considered a policy expert
• Use independent judgment in compiling financial data for credit risk in loan requests including cash flow and collateral analysis
• Independently complete underwriting in compliance with regulations, bank policy, and legal requirements
• Accept credit requests and make initial declination or proceeding decisions
• Recommend appropriate risk grades with supporting justification
• Assist in portfolio management functions and annual review processes
• Spread financial statements and tax returns and analyze historical performance
• Develop loan covenants and structures to manage risk
• Train junior analysts as needed
• Review appraisals for market and economic risks
• Work with outside counsel to prepare loan documentation
• Attend customer meetings and handle simple closings
• Present loan requests to approvers and loan committee as needed
• Obtain and analyze third-party borrower information
• Prepare pertinent reports and track financial information
• Monitor compliance and risk management practices
• Deliver high level service within Serving More standards
• Other duties as assigned

Kenntnisse

Interpersonal/Customer Service

Written and Verbal Communication

Analytical Thinking

Problem/Situation Analysis

Teamwork

Adaptability

Attention to Detail

Ausbildung

Bachelor's degree in business, finance, or accounting

Jobbeschreibung

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Commercial Credit Analyst II

• Posted on October 19, 2026

Locations

Showing 1 location

Greenville, SC 29607, USA

• Hybrid
• Commercial
• Full-Time
• Requisition #: COMME007034

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 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 HYSICAL 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.

The Park Brand You belong at Park. Our doors are open to everyone – no matter where you’re coming from or where you want to go from here.

Mission To promote the long-term prosperity of the people and the organizations we serve.

Who We Are Community banking teams are bound by everything that matters most: by the way we serve our customers.; by the way we show up for our communities; by the way we celebrate everyone's biggest, best moments; by the way we’re here for one another on the days we need support; and by our love of neighbors and neighborhoods. Together, our family proudly shares who we are and who we've always been. United and strong, we serve our customers and communities more.

Brand Essence A family of community banking teams who, together, serve more — more businesses, more families, more community needs, more access for more people like you and me.

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.