Commercial Credit Analyst
Cincinnati, OH 45242 US
Join our team and become an indispensable asset in the lending landscape, where your financial acumen and analytical expertise will make a meaningful difference in the success of diverse businesses seeking financial support.
Why you should work here:
- Join our team and be a part of a dynamic and thriving financial institution, where we value and invest in our employees' growth and success.
- Enjoy a collaborative and supportive work environment that fosters professional development and empowers you to make a real impact in the banking industry.
- Benefit from competitive compensation and comprehensive benefits packages that reward your hard work and dedication.
- Underwrite new and renewing commercial & commercial real estate loan requests, assessing varying levels of complexity with deal sizes up to $6 million.
- Utilize your expertise to prepare loan requests, conduct periodic reviews, and manage client relationships effectively.
- Skillfully spread and analyze business & personal financial information, enabling informed decision-making during the lending process.
- Craft comprehensive loan write-ups, incorporating industry ratio analysis and tracking changes in company financials over time.
- Propose and recommend deal structures that align with our strategic objectives.
- Leverage your expertise to contribute to other assignments, such as portfolio reporting and risk identification.
- Bachelor's degree in Finance, Accounting, or a related business discipline is preferred.
- Minimum of 2 years of relevant work experience in banking, finance, or lending is required.
- Substantial understanding of financial analysis, including various types of commercial and mortgage lending like multi-family, land development, and construction lending.
- Proficient in reading and interpreting business financial statements and tax returns.
- Experience in company loan write-ups, demonstrating strong business writing and credit write-up skills.
- Knowledge of the banking industry is highly valued, and candidates with previous experience outside of banking will be considered.
- Strong business sense and financial acumen to assess loan opportunities effectively.
- Exceptional computer skills, specifically with Microsoft Office products, and the ability to leverage technology to enhance departmental efficiency.
- Must maintain strict confidentiality of all customer and financial data.