Commercial Portfolio Analyst I

First Financial Bank; Cincinnati (OH); On-site; USD 60,000 - 80,000; Full time

Job summary

Join First Financial Bank as a Commercial Portfolio Analyst I in Cincinnati. This full-time position focuses on financial analysis and risk assessment for commercial loans. You will collaborate with business teams, manage client credit information, and provide insights on financial trends to support decision-making. With a commitment to your professional growth, we offer thoughtful benefits tailored to support your wellbeing.

Benefits

Thoughtful benefits for holistic wellbeing

Qualifications

• Experience in financial analysis for commercial loans and real estate.
• Strong understanding of industry trends and credit assessments.
• Ability to collaborate with teams and prepare credit reports.

Responsibilities

• Manage credit proceedings and annual reviews for clients.
• Analyze financial statements and prepare comprehensive credit requests.
• Monitor covenants and notify parties regarding violations.

Skills

Financial Analysis

Risk Assessment

Data Analysis

Education

Bachelor's degree in Finance, Accounting, or related field

Job description

Commercial Portfolio Analyst I

Commercial Portfolio Analyst I

Apply now to join our team in Cincinnati, OH. This is a full-time position, posted 2 days ago, with job requisition ID R8200.

We do the right things, right now, and in a way that is relevant to our clients. Become a part of our ongoing story!

If you are interested and qualified, we encourage you to apply.

Job Profile Summary

This role involves gathering and managing credit and financial information for analysis of Commercial Loans, Commercial Real Estate, and other business lines within the Commercial Loan Portfolio for current and potential borrowers in the assigned region. The analyst assesses the advisability of granting credit through financial analysis and risk assessments.

Essential Functions/Responsibilities

1. Manage upcoming maturities and exceptions, including annual client reviews and covenants, for the assigned region.
2. Compile financial information to prepare credit histories and interpret financial and industry trends; develop financial spreadsheets and analyze data.
3. Collaborate with the line of business and Credit Officers to assign Asset Quality Ratings and identify any deterioration or changes in clients' ability to meet contractual obligations.
4. Set up and monitor covenants as per loan agreements and notify relevant parties of any violations.
5. Assist in preparing reports, including exception reports, for monitoring and other purposes.
6. Interpret and provide updates on financial and industry trends, especially related to CRE credits and market factors.
7. Spread financial statements and provide insights on operating trends and capital structure for initial opportunity assessments and strategy development.
8. Work with Commercial Relationship Managers to prepare comprehensive and accurate Credit Approval Requests (CARs) for decision-making, including financial spreading for credit memos and reporting.

Benefits

We offer relevant and thoughtful benefits to support the holistic wellbeing of our associates. Please review our Benefits Guide for more information.

Incentive Eligibility

All roles are incentive eligible except Co-Op, Intern, or Student positions.

We adhere to equal employment opportunity laws and do not discriminate based on age, race, color, religion, national origin, sex, marital status, pregnancy, gender identity, disability, sexual orientation, genetic information, veteran/military status, or any other protected characteristic. We are an E-Verify employer.