Credit Review Analyst III

The Credit Review Analyst III position will join team members in fulfilling the overall mission of the Credit Review Department to maintain the accuracy of risk ratings, and identify existing, increasing, or emerging risks within the loan portfolio. The primary function of the Credit Review Analysist III will be to review the loan portfolio with a focus on credit underwriting and credit file quality, adherence to regulatory requirements, policy, and approval guidelines, and identify loan documentation deficiencies. The Credit Review Analyst III has strong Credit Review skills, can review complex loans, and identify and assess risk with little to no guidance but may still be developing industry or product knowledge or other review skills. The analyst has strong written communication skills of findings to various audiences.

Essential Responsibilities:

• The Credit Review Analyst III performs credit reviews of primarily commercial and real estate loans that can be in complex borrower relationships and identifies weaknesses or deficiencies in:
  
  
  
  • Risk Grade Accuracy
  • Credit Underwriting
  • Credit Approval
  • Adherence to Regulatory and Policy Compliance
  • Adequacy and Completeness of Documentation
  • Credit File Quality
  • Problem Credit Identification and Management
  • Adequacy and Accuracy of Reports and Information Systems
  
  
  
  
• Prepares meaningful, concise reporting of results, ensuring that all pertinent issues are properly recognized and clearly articulated to senior management
• Prepares and monitors various reports
• Participates when needed on special projects such as due diligence reviews related to mergers and acquisitions, external examinations, and business unit reviews
• Scopes reviews in the review software and prepares reports, as needed
• Identifies new and maintains existing borrower relationship ties, analyzes delinquency reports, reviews watchlist loans, and performs other duties requiring strong review skills
• Acts as a mentor/resource for less experienced Credit Review Analysts and provides training
• Adheres to applicable federal laws, rules, and regulations including those related to Anti-Money Laundering (AML) and the Bank Secrecy Act (BSA).
• Other duties as assigned.

Minimum Required Skills & Competencies:

• 5-10 years of experience in Credit Review, Credit Analysis, Commercial Lending or equivalent
• At least 2-10 years of experience in roles developing the following skills: Ability to calculate personal, corporate, and global debt service coverage, analyze cash flow statements, and calculate LTV
• Advanced knowledge of loan structuring, loan documentation, Regulatory and Bank Policy
• Advanced accounting, finance, and credit analysis skills
• Advanced, effective, and efficient writing skills
• Sound judgment, developed decision-making, and strong interpersonal skills
• Communication skills to maneuver through adversarial situations in a fair and respectful manner
• Computer skills (Word, Excel, Outlook, ImageCentre, Insight or equivalent banking systems)
• Is expected to have strong credit review skills to determine the appropriate type and depth of analysis needed on each business line, product, portfolio, or relationship to be reviewed and determines which issues are relevant.
• Has strong credit judgment skills to accurately assess risk and construct logical, issue-oriented analysis, formulate well-reasoned conclusions and recommendations.
• Has or may be developing strong knowledge of industry risk, characteristics, and management of problem loans, identifying TDRs and impairment analyses.

Desired Skills & Competencies:

• BA/BS in Finance, Business or Accounting preferred, but not required
• Commercial Real Estate credit experience preferred
• Ability to work on multiple projects simultaneously and work independently

Physical Requirements:

• Express or exchange ideas by means of the spoken word via email and verbally.
• Exert up to 10 pounds of force occasionally, use your arms and legs, and sit most of the time.
• Have close visual acuity to perform activities such as analyzing data, viewing a computer terminal, reading, and preparing documentation.
• Not substantially exposed to adverse environmental conditions.
• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential responsibilities of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential responsibilities.