Commercial Loan Credit Analyst

Waterfall Bank; Clearwater (FL); On-site; USD 65,000 - 90,000; Full time

Job summary

Waterfall Bank is seeking a Credit Analyst to assist commercial lenders by analyzing credit data and financial statements to assess risk in lending decisions. You will generate financial ratios, evaluate cash flows, and identify risks related to loan quality and collateral.

The role requires 2+ years in credit analysis, a Business Finance degree or related experience, and strong written and financial analysis capabilities to support loan recommendations and timely decisions.

Qualifications

• 2+ years of experience as a Credit Analyst.
• Bachelor’s degree in Business Finance or related experience.
• Proven written communication and financial analysis skills.
• Self-starter with ability to work under tight deadlines.
• Understanding of banking regulations and best practices.
• Detail oriented with good communication and analytical skills.
• Ability to work in a fast-paced environment.
• Solid organizational skills.

Responsibilities

• Assist commercial lenders by analyzing credit data and financial statements to determine risk in extending credit or lending money.
• Generate financial ratios to evaluate borrower’s financial status and debt service capacity.
• Detail identifiable risks associated with credit quality of loans and collateral.
• Interpret financial data and make loan recommendations to lenders and loan committee.
• Confer with loan officer on borrower’s identified financial deterioration.
• Monitor maturing loans and gather information for extensions or modifications.

Skills

Credit analysis

Financial analysis

Communication

Education

Bachelor’s degree in Business Finance

Job description

Job Description

Job Description

Position Summary : Assist the commercial lenders by analyzing credit data and financial statements to determine the degree of risk involved in extending credit or lending money.

Primary Functions:

• Review financial information on applicants and perform detailed analysis of financial data and other relevant information;
• Generate financial ratios to evaluate a borrower’s financial status to determine the borrower’s cash flow and capacity to service debt, summarizing borrower’s financial statements;
• Detail identifiable risks associated with the credit quality of loans and collateral;
• Interpret financial data and make loan recommendations to lenders and loan committee;
• Confer with loan officer on any borrower’s identified financial deterioration;
• Monitor maturing loans and gather necessary information needed to consider extensions or modifications.

Specific Requirements:

• 2+ years’ experience as a Credit Analyst
• Bachelor’s degree in Business Finance or other related experience
• Proven written communication and financial analysis skills
• Self-starter with the ability to work under tight deadlines
• Understanding of banking regulations and best practices
• Detail oriented with good communication and analytical skills.
• Ability to work in a fast-paced environment.
• Solid organizational skills.

Company Conformance: In the performance of respective tasks and duties, all Waterfall Bank employees are expected to successfully perform quality work within deadlines, with or without supervision, interact professionally with other employees, customers and suppliers; work effectively as a team contributor on all assignments and work independently while understanding the necessity for communication and coordinating work efforts with other employees and organizations.

In the performance of respective tasks, All Waterfall Bank employees are expected to maintain an excellent knowledge of the Board’s established policies and procedures regarding BSA, AML, CIP and OFAC, and comply with those established policies and procedures at all times. Cognizant of transactions or inquiries that appear suspicious, obtaining reasonable and verifiable explanations, notifying the Compliance Officer when necessary; completion of all web-based compliance training within established time frame; daily resolution of all issues concerning BSA report reviews of suspicious activity and/or cash transactions.

Physical/Work Conditions: In the performance of respective tasks and duties, all Waterfall Bank employees are expected to successfully perform the essential functions of the position. While performing duties, employees are required to sit, talk, hear, lift up to 20 lbs., and may be required to work evenings and/or weekends, attend remote meetings and/or to travel. Reasonable employee accommodations will be considered on a case-by-case basis.

Acknowledgement: I have read the foregoing position description and understand the functions/responsibilities of the position. I also understand these job duties may be subject to change at any time. Nothing in this position description restricts management’s right to assign or reassign duties and responsibilities to this position at any time.