What are the responsibilities and job description for the Credit Analyst position at Commercial Alliance?
CREDIT ANALYST
Commercial Alliance provides a comprehensive suite of lending services designed to help credit unions
succeed with business members across six states. We are looking for an enthusiastic, self-motivated
professional to assist with Credit.
As a Credit Analyst, you will be responsible for assessing the credit worthiness of individuals and
businesses seeking loans or credit lines. You will analyze financial data, evaluate risk factors, prepare credit
memo write-ups, and provide recommendations regarding credit decisions. You will also review existing
loans for financial performance and compliance with covenants and reassess risk ratings.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
presentations for recommendation.
Commercial Alliance provides a comprehensive suite of lending services designed to help credit unions
succeed with business members across six states. We are looking for an enthusiastic, self-motivated
professional to assist with Credit.
As a Credit Analyst, you will be responsible for assessing the credit worthiness of individuals and
businesses seeking loans or credit lines. You will analyze financial data, evaluate risk factors, prepare credit
memo write-ups, and provide recommendations regarding credit decisions. You will also review existing
loans for financial performance and compliance with covenants and reassess risk ratings.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
- Spread, review, and analyze financial statements, credit reports, collateral evaluations, and
presentations for recommendation.
- Receive direction from Credit Manager as to reviewing new loan deal packages.
- Evaluate the risk associated with extending credit to individuals or businesses based on factors
- Ensure compliance with company credit policies and procedures when evaluating credit
- Monitor the performance of existing credits, evaluate financial performance and covenant
- Stay informed about industry trends, economic indicators, and regulatory changes that may
- SBA underwriting or assistance with SBA programs or SBA packaging as LSP.
- Perform other duties as assigned.
- Bachelor’s degree in finance, accounting, economics, a related field, or equivalent related
- Previous experience in credit analysis, financial analysis, or risk management
- Strong analytical skills with the ability to interpret financial data, lease agreements, and other
- Knowledge of financial markets, accounting principles, and credit risk assessment techniques.
- Excellent communication and interpersonal skills.
- Attention to detail and ability to work independently.
- Familiarity with regulatory requirements and industry best practices in credit risk management
- Conversant with intermediate level accounting principals (cash/accrual basis, cost, and contractor),
- Knowledge of and ability to read, interpret and draw accurate conclusions from financial and
- Ability to manage multiple concurrent objectives, projects, groups, or activities, making effective
- Proficiency in Microsoft Office applications Outlook, Teams, Excel, Word, PowerPoint
- Preferred 2 years commercial credit analysis experience
- Preferred familiarity with Baker Hill, Abrigo or other LOS software
Leasing Consultant ? Tax Credit
BGSF -
Cincinnati, OH