Commercial Credit Analyst: Lending & Cash Flow Modeling

Stifel Financial Corp.; Northern (KY); Hybrid; USD 60,000 - 90,000; Full time

Job summary

Stifel Financial Corp. is seeking a Credit Analyst to support Commercial Lenders and Portfolio Managers. You will analyze borrower financials, build cash flow models, and contribute to credit memorandums and risk ratings.

You will assist in managing a commercial loan portfolio, keeping financial statements and compliance certificates current, and preparing Bank Board reports. Strong communication and attention to detail are essential for success in this role.

Qualifications

• Analyze business financial statements and create cash flow models to support loans and renewals.
• Prepare credit evaluation memorandums, annual and quarterly reviews, and risk ratings.
• Monitor a commercial loan portfolio and ensure timely reporting.

Responsibilities

• Analyze business financial statements and create cash flow models to be utilized in support of new and existing commercial loans, renewal requests, and amendments.
• Assist in the preparation of credit evaluation memorandums, annual and quarterly reviews, and accurate and timely risk ratings.
• Assist in the ongoing management and monitoring of a commercial loan portfolio.
• Ensure that certain financial statements and compliance certificates are up-to-date.
• Maintain knowledge of borrowers and collateral through financial research and data analysis.
• Assist in preparation of monthly Bank Board of Directors reports providing a summary of commercial relationships.
• May assist with overarching Corporate Banking projects.

Skills

Financial analysis

Cash flow modeling

Credit evaluation

Communication skills

Portfolio monitoring

Financial reporting

Education

Bachelor's degree in finance/accounting

Tools

Microsoft Word

Microsoft Excel

PowerPoint

Outlook

Job description

Stifel Financial Corp. is seeking a Credit Analyst to support Commercial Lenders and Portfolio Managers. You will analyze borrower financials, build cash flow models, and contribute to credit memorandums and risk ratings.

You will assist in managing a commercial loan portfolio, keeping financial statements and compliance certificates current, and preparing Bank Board reports. Strong communication and attention to detail are essential for success in this role.