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Commercial Lending Credit Analyst

Local Community Bank Shreveport, LA
  • Posted: over a month ago
  • Full-Time
  • Benefits: Vision, Medical, Life Insurance, 401k, Dental

Under general direction, this position’s primary responsibilities include assisting Commercial Relationship Managers (CRMs) and the facilitating of comprehensive credit analysis that evaluates the existing facilities in the portfolio. The loan portfolio shall consist of all types of
commercial loans including but not limited to lines of credit, term notes, permanent owner-occupied mortgages, and/or commercial construction.

ESSENTIAL JOB DUTIES:

Performs portfolio management responsibilities including:

  • Facilitates preparation of credit underwriting and analysis of new/existing loans in connection with renewals and modifications.

  • Assist in facilitating closing of transactions

  • Assist lenders in managing past due and maturing loans

  • Recommends and models appropriate loan structure for new and existing loan relationships

  • Prepares periodic reviews of existing loans to assess credit quality and covenant compliance

  • Receive and review periodic reporting to ensure borrowing base availability as well as to monitor performance

  • Assists in the preparation of monthly reports for the portfolio

  • Assists CRMs to ensure customers are being serviced as needed

  • Participates in research, preparation and execution of customer calls

  • Prepares Annual Reviews on customers, to include but not limited to:

    • Detailed analysis of financial statements

    • Detailed collateral analysis

    • Detailed analysis of debt service and covenant compliance

    • Review of credit risk rating

    • Borrower and Guarantor analysis

    • Assessment of lending risks, clearly identifying offsetting mitigates and summarizing recommendations.

QUALIFICATIONS:

• Bachelor’s Degree in Accounting or Finance

• Financial analysis experience and credit training

• Experience with discounted cash flow models

• 1-3 years of related experience required within financial industry

• Strong communication and analytical skills

• Strong PC skills (Microsoft Office)

• Good interpersonal skills, team oriented, and strong customer service skills

Local Community Bank

Why Work Here?

Great group of people to work with.

Well-established community bank located in Shreveport/Bossier.

Address

Shreveport, LA
Shreveport, LA
USA

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