Senior Commercial Credit Analyst - Hybrid

Park National Bank; Cleveland, Chattanooga (TN, TN); Hybrid; USD 70,000 - 110,000; Full time

Job summary

Park National Bank is seeking a Commercial Credit Analyst III in Cleveland, TN. This hybrid, full-time role focuses on applying credit culture, underwriting loans, and supporting portfolio management while adhering to bank policies and regulatory standards.

You will analyze financial statements, cash flows, and tax returns, and collaborate with Commercial Lenders on risk assessment and loan documentation. Prior credit underwriting experience is valued; some mentoring may be involved.

Qualifications

• Sound understanding of credit culture and bank policies.
• Ability to analyze financial statements, cash flows and tax returns.
• Experience applying credit underwriting standards per regulations and bank policy.

Responsibilities

• Apply credit policies; analyze global cash flow, collateral, industry and management risk.
• Underwrite loan requests in line with regulations, compliance terms, and policy.
• Decide on declination or progression of credit requests; support lenders in portfolio management.
• Prepare loan write-ups, covenants, and documentation; assist in audits and regulatory exams.
• Present requests to approvers; engage with customers and third-party information providers.
• Mentor junior analysts and participate in training as needed.

Skills

Interpersonal skills

Written & verbal communication

Follow directions

Leadership

Analytical thinking

Financial statement analysis

Problem solving

Education

Bachelor's degree in Finance or related field

High School or better

Job description

Park National Bank is seeking a Commercial Credit Analyst III in Cleveland, TN. This hybrid, full-time role focuses on applying credit culture, underwriting loans, and supporting portfolio management while adhering to bank policies and regulatory standards.

You will analyze financial statements, cash flows, and tax returns, and collaborate with Commercial Lenders on risk assessment and loan documentation. Prior credit underwriting experience is valued; some mentoring may be involved.