Junior Commercial Credit Analyst — Growth & Analysis

Park National Bank; Mount Vernon (OH); On-site; USD 30,000 - 39,000; Full time

Job summary

Park National Bank in Mount Vernon, OH is hiring a Commercial Credit Analyst I to join our credit team. The role involves preparing loan requests and renewals, analyzing cash flows, collateral, and industry trends, and supporting underwriting while ensuring compliance with bank policies.

Requirements include a BA/BS in Business Management or Finance/Accounting with 2+ years of relevant experience. Office hours are standard with on-site expectations and opportunities for career development within

Qualifications

• BA/BS in Business Management is required.
• BA/BS in Finance or Accounting considered with 2+ years relevant experience.

Responsibilities

• Accurately prepare loan requests and loan renewal write-ups; including global cash flow analysis, collateral analysis, industry analysis, management analysis, and overall repayment capacity
• Complete underwriting in accordance with current regulations, compliance terms, bank policy, and legal requirements
• Accurately spread financial statements and tax returns and analyze historical performance
• Assist in the preparation of annual reviews of existing clients upon receipt of updated financial information
• Monitor financial statement requirements, loan covenants, and borrowing base certificates and communicate findings to lender and manager. Prepare pertinent reports, tracking financial information and receipt thereof.
• Participate in identifying, measuring, monitoring, controlling, and mitigating credit risk of the commercial loan portfolio
• Obtain, analyze, and incorporate third-party borrower information (e.g., credit reports, costar, RMA)
• Accompany Commercial Lenders on calls and inspections, and assist with presenting loan requests to approvers as needed
• Assist in loan review cycle and with classified asset reporting
• Attend and participate in department meetings as necessary
• Maintain orderly and up to date credit files
• Maintain ownership for all accepted tasks
• Take a proactive approach to learning and career development
• Understand and promote the bank’s credit culture and credit policies
• 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

Skills

Interpersonal/Customer Service Skills

Written and Verbal Communication

Ability to understand and follow direc

Adaptable to change

Basic Computer Skills

Organizational Skills/Detail Oriented

Analytical Thinking

Problem/Situation Analysis

Ability to influence others

Ability to work as part of a team

Education

BA/BS, Business Management required

BA/BS, Finance / Accounting or other concentrations considered with 2+ years relevant experience

Job description

Park National Bank in Mount Vernon, OH is hiring a Commercial Credit Analyst I to join our credit team. The role involves preparing loan requests and renewals, analyzing cash flows, collateral, and industry trends, and supporting underwriting while ensuring compliance with bank policies.

Requirements include a BA/BS in Business Management or Finance/Accounting with 2+ years of relevant experience. Office hours are standard with on-site expectations and opportunities for career development within