Commercial Credit Analyst III

Park National Bank; Cleveland, Chattanooga (TN, TN); Hybrid; USD 70,000 - 110,000; Full time

Job summary

Park National Bank is seeking a Commercial Credit Analyst III in Cleveland, TN. This hybrid, full-time role focuses on applying credit culture, underwriting loans, and supporting portfolio management while adhering to bank policies and regulatory standards.

You will analyze financial statements, cash flows, and tax returns, and collaborate with Commercial Lenders on risk assessment and loan documentation. Prior credit underwriting experience is valued; some mentoring may be involved.

Qualifications

• Sound understanding of credit culture and bank policies.
• Ability to analyze financial statements, cash flows and tax returns.
• Experience applying credit underwriting standards per regulations and bank policy.

Responsibilities

• Apply credit policies; analyze global cash flow, collateral, industry and management risk.
• Underwrite loan requests in line with regulations, compliance terms, and policy.
• Decide on declination or progression of credit requests; support lenders in portfolio management.
• Prepare loan write-ups, covenants, and documentation; assist in audits and regulatory exams.
• Present requests to approvers; engage with customers and third-party information providers.
• Mentor junior analysts and participate in training as needed.

Skills

Interpersonal skills

Written & verbal communication

Follow directions

Leadership

Analytical thinking

Financial statement analysis

Problem solving

Education

Bachelor's degree in Finance or related field

High School or better

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 III

• Posted on October 21, 2026

Locations

Showing 1 location

Cleveland, TN 37312, USA

Locations

Showing 1 location Cleveland, TN 37312, USA

+2 more locations

• Hybrid
• Commercial
• Full-Time
• Requisition #: COMME007041

Description

***Sponsorship not available

JOB 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
• Abilitiy to understand and follow directions
• Basic Computer Skills
• Leadership/Management Skills
• Ability to build collaborative relationships
• Ability to develop and mentor others
• Organizational Skills/Detail Oriented
• Analytical Thinking
• Problem/Situational Analysis
• Technical Expertise
• Critical Thinking Skills
• Demonstrated knowledge and applied use of financial statements and complex tax returns

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.

A flexible work arrangement is available for this role. Scheduled onsite hours are required.

Qualifications

Education

Required

High School or better.

Preferred

Bachelors or better in Finance or related field.

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.