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This role focuses on evaluating commercial and consumer credit opportunities, assessing financial strength, and supporting sound lending decisions through thorough analysis and clear recommendations.
Job Responsibility:
Evaluate borrower and guarantor financial information
Gather required loan data from lenders and clients
Develop written credit packages, financial models, narrative summaries, and risk commentary
Examine loan files for accuracy and completeness
Assess collateral position and repayment support
Partner with commercial lending teams to identify risk factors
Prepare and update credit-related reports
Maintain organized credit files
Support underwriting and review activities for credit facilities
Requirements:
At least 2+ years of commercial credit analysis experience within a banking environment
Strong ability to interpret personal and business financial statements, tax returns, and related credit documentation
Knowledge of commercial lending practices, credit risk evaluation, and loan structuring for a variety of borrowing needs