Commercial Credit Analyst - Gpac

The organization we are representing is looking for a Commercial Credit Analyst to join their team and provide critical support to their lenders. This role is vital in underwriting credit extension requests for new and existing commercial clients. You’ll play a key part in assessing the financial health of borrowers, preparing comprehensive credit analyses, and ensuring compliance with the bank’s credit policies and procedures.

If you have a keen eye for financial details and thrive in a collaborative, detail-oriented environment, we’d love to hear from you!

Position Summary

The Commercial Credit Analyst supports lenders by performing detailed financial analysis of borrowing opportunities, preparing credit approval packages, and maintaining current financial reporting for loan relationships. The role requires strong analytical skills, a thorough understanding of financial trends, and the ability to document findings effectively.

Primary Responsibilities

• Analyze financial data (e.g., financial statements, agency reports) of prospective and current borrowing accounts.
• Prepare detailed written reports evaluating the short and long-term prospects of businesses or individuals.
• Provide recommendations to Loan Officers on loan approval or denial and document these recommendations with thorough supporting information.
• Identify trends in financial data and key financial ratios such as cash flow-to-debt service and debt-to-equity.
• Develop and maintain comprehensive credit offering memorandums and supporting spreadsheets.
• Suggest appropriate loan grades based on in-depth credit analysis.
• Conduct annual reviews of existing loan relationships to assess ongoing creditworthiness.
• Collect and monitor interim and annual financial statements to maintain up-to-date borrower profiles.
• Ensure compliance with the bank's credit policies and procedures.
• Provide timely and accurate reporting as assigned.
• Perform annual review of loan relationships.

Qualifications

• Experience:
  • Minimum 5 years of experience as a Credit Analyst in a banking environment.

   

• Skills:
  • Strong understanding of financial statement analysis and risk assessment.
  • Ability to interpret financial ratios and trends.
  • Proficiency in preparing detailed reports and credit memorandums.
  • Excellent organizational and communication skills.
  • High attention to detail and accuracy.

   

• Technical Proficiency:
  • Advanced Excel skills and familiarity with financial analysis software.

Why Join This Organization?

This company offers a supportive work culture and opportunities for professional growth, along with a competitive salary and comprehensive benefits package. If you are passionate about delivering high-quality credit analysis and contributing to the success of businesses in your community, please reach out to connect with our search consultant to learn more!

For additional information on this opportunity, please contact Sid Stone Kolb directly at (605) 705-3378.  Resumes may be confidentially sent to sid.kolb@gogpac.com.

All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations.

GPAC (Growing People and Companies) is an award-winning search firm specializing in placing quality professionals within multiple industries across the United States since 1990. We are extremely competitive, client-focused and realize that our value is in our ability to deliver the right solutions at the right time.