Credit Analyst - City National Bank & Trust

Description: With direction, the Credit Analyst will analyze and risk-assess credit applications for commercial loans to ensure compliance with the bank’s credit risk strategy and the bank’s credit policy.

Responsibilities:

• Review commercial loan applications and analyze credit information to make a general assessment of applicant’s credit worthiness and a preliminary determination whether or not the proposed loan will conform to the bank’s lending policies and guidelines;
• With guidance from Senior Credit Risk Officer, prepare written summary of commercial loan terms and conditions and a written narrative explaining business background, outlining risk factors and justifying assigned risk ratings, ensuring conformity with bank credit policy and procedures and with applicable banking regulations.
• Analyze financial statements and projections on spreadsheet software and develop the ability to produce independent, supported projections of customer performance.
• Research industry trends and norms.
• Prepare reports to include the degree of risk involved in extending credit or money
• Recommend payment plans based on earnings, savings, purchase activity and payment history
• Prepare periodic reviews as necessary on existing loan relationships.
• Actively participate with lending officers in the preparation of commercial loan proposals for committee presentation, including review of financial statements, projections, site visits, and customer calls.
• Review, analyze and risk-assess criticized assets and problem loans to make a general assessment of the credit’s ability to repay the loan according to the terms and covenants set forth in the loan agreement;
• With guidance from the Senior Credit Risk Officer or Credit Administrator, develop a workout loan policy and procedures, and implement the necessary workout strategies.
• Actively participate with lending officers in the implementation of workout strategies, and review and report the evaluation of collateral associated with criticized assets and problem loans.
• Various other duties and projects as assigned.

Qualifications:

• Bachelor’s degree in Accounting, Finance, or related field with Accounting emphasis plus 2 years related experience; combination of education and work experience may be acceptable
• Commercial lending experience and an existing knowledge of the Lawton marketplace is preferred
• Ability to travel when needed (conferences, seminars, etc.)
• Proficient in Microsoft Office products
• Excellent analytical, conceptual, writing, and communication skills
• Ability to interface effectively with other banking professionals, including loan officers, loan processors, appraisers, accountants, and auditors
• Good organization skills, along with the ability to work under pressure and meet deadlines

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