Commercial Credit Loan Analyst

Ryan Consulting Group, LLC; Charlotte (NC); On-site; USD 50,000 - 90,000; Full time

Job summary

An established industry player in banking seeks a dynamic Analyst to join their team. This role is pivotal in analyzing and preparing credit approval memorandums for new and existing loan opportunities. You will collaborate with various teams to enhance workflows and support portfolio management efforts. The ideal candidate will possess strong analytical skills, a solid understanding of credit analysis, and proficiency in relevant tools. This is a fantastic opportunity to contribute to a vital function within the financial services sector while working in a supportive and growth-oriented environment.

Qualifications

• Bachelor’s degree in Business, Accounting, Economics, or Finance required.
• 1+ year of banking/financial services experience required.

Responsibilities

• Assist in credit approvals and portfolio management tasks.
• Prepare reports for the US Loan Committee and Board of Directors.

Skills

Analytical Skills

Problem-Solving

Credit Analysis

Portfolio Management

Financial Exposure Analysis

Communication Skills

Education

Bachelor’s Degree in Business Administration

Master’s Degree in Business Administration

Tools

Microsoft Word

Microsoft Excel

Microsoft PowerPoint

Microsoft Outlook

Microsoft Teams

USLP Dashboard

Job description

The Analyst, US Banking focuses on new commercial loan originations, credit approval underwriting, and portfolio management for the existing portfolio. This position plays a critical role in the analysis, preparation, and presentation of credit approval memorandums for new, potential, and existing loan opportunities. Additionally, the role supports portfolio management efforts and assists with project management tasks initiated by the Management Team. The position is fully in-person at the office in Charlotte, NC.

MAJOR DUTIES & RESPONSIBILITIES:

• Assist in establishing “credit boxes” and other eligibility criteria for Lending & Risk Partners.
• Assist in the preparation of commercial loan approvals, modification approvals, and periodic business reviews, including financial analysis on historical, forecasted, and performance bases, risk rating assessments, and compliance performance.
• Collaborate with the USLP Team, including the Risk Team, to manage workflow, identify and escalate process breakdowns, and develop enhancements.
• Participate in frequent calls with internal and external stakeholders.
• Prepare portfolio analysis by utilizing various tools, including the USLP Dashboard.
• Assist in analyzing individual whole loan participations and loan pools.
• Understand and assist in measuring and monitoring the profitability of the portfolio.
• Liaise with U.S. Loan Program Lending Partners to assist in joint efforts, including loan syndication and data fulfillment.
• Assist in the periodic review and update of the U.S. Loan Program Policy, Guidelines, Procedures Manual, and other Risk Management and U.S. Loan Committee needs.
• Prepare reports for the US Loan Committee and the Board of Directors, presenting information on portfolio activity, performance, and results on a quarterly basis.
• Other duties as assigned.

EDUCATION & EXPERIENCE:

• Bachelor’s Degree in Business Administration, Accounting, Economics, or Finance required. Master’s Degree in Business Administration or related field preferred.
• One (1) year of banking and/or financial services experience required. Experience in credit/portfolio analysis and/or portfolio management support is highly desirable, but not required.
• Equivalent combinations of education, training, and experience that provide the required knowledge, skills, and abilities will be considered.
• Basic knowledge of commercial credit analysis for corporate purposes, mergers, acquisitions, secured asset financings, and industry verticals.
• Self-starter, results-oriented, dynamic, and able to work with minimal supervision.
• Analytical, problem-solving, organized, detail-oriented, and able to meet strict deadlines.
• Understanding of financial/accounting principles, industry assessment, research, and due diligence is highly preferred.
• Skills in credit and risk assessment, portfolio management, and financial exposure to forecasting, performance analysis, and ratio analysis are desirable.
• Proficient in Word, Excel, PowerPoint, Outlook, MS Teams, and other relevant tools.
• Excellent written and verbal English communication skills required.
• Legally authorized to work in the U.S. required. This position is of indefinite duration and requires candidates to have permanent or ongoing work authorization.
• The employee is responsible for maintaining eligible work authorization throughout their tenure.

Seniority level

Associate

Employment type

Full-time

Job function

Analyst and Finance

Industries

Banking and Financial Services