Collects, reviews, and analyzes data to prepare a detailed credit analysis that evaluates the terms and creditworthiness of commercial loan applications. Uses multiple sources of information, including financial statements, collateral appraisals, credit scores, and cash flow analysis, to assign risk ratings to loans and complete an analysis of the applicant's financial status. Calculates debt-to-income (DTI) ratios to evaluate an applicant's ability to repay the loan. Prepares credit memos in a standardized format that includes key ratios, supporting information, an executive summary, and obje ...ctive recommendations. Presents credit reports to loan officers and loan committees. Requires a bachelor's degree. Typically reports to a supervisor or manager. Occasionally directed in several aspects of the work. Gaining exposure to some of the complex tasks within the job function. Typically requires 2 -4 years of related experience.More Show Less
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FUNCTION: Works proactively with loan officers to prepare independent comprehensive written presentations of the Bank's existing and prospective business lending relationships. These relationships range from small business loans originated by branches to the largest business loans, and include C&I, CRE, and community development transactions. KEY ACCOUNTABILITIES. Spreads and independently analyzes complex financial statements, cash flow ability,...
FUNCTION: Works proactively with loan officers to prepare independent comprehensive written presentations of the Bank's existing and prospective business lending relationships. These relationships range from small business loans originated by branches to the largest business loans, and include C&I, CRE, and community development transactions. KEY ACCOUNTABILITIES. Spreads and independently analyzes complex financial statements, cash flow ability,...
PRIMARY PURPOSE. This role provides credit analysis for new and existing business members and provides support to the Commercial Lenders in managing risk in the commercial loan portfolio. Performs credit analysis, assesses risk, and assigns risk ratings to borrowing relationships to make loan approval recommendations for medium to large size loans with increasing complexity. This role also conducts annual reviews of existing loans, in addition ...
Department: Credit. Reports to: Commercial Credit Team Lead. FSLA: Exempt. Last Modified: December 2024. Job Summary. The Commercial Credit Analyst II will assist and support the Commercial Banking team by compiling and analyzing financial statements, business plans, credit reports and other relevant information of various business entities and individuals to determine the degree of risk involved in requested or existing extensions of credit of i...
FUNCTION: Works proactively with loan officers to prepare independent comprehensive written presentations of the Bank's existing and prospective business lending relationships. These relationships range from small business loans originated by branches to the largest business loans, and include C&I, CRE, and community development transactions. KEY ACCOUNTABILITIES. Spreads and independently analyzes complex financial statements, cash flow ability,...
ABOUT THE ROLE. F&M Trust is looking to hire a Commercial Credit Analyst II to join the Credit Department team. The successful candidate will have the option of a hybrid work from home arrangement paired with a home office located at either our Corporate location in Chambersburg, PA, or regional headquarters located in Harrisburg, PA. This Credit Analyst II will be responsible for evaluating and determining the credit risks of commercial credits ...
ABOUT THE ROLE. F&M Trust is looking to hire a Commercial Credit Analyst II to join the Credit Department team. The successful candidate will have the option of a hybrid work from home arrangement paired with a home office located at either our Corporate location in Chambersburg, PA, or regional headquarters located in Harrisburg, PA. This Credit Analyst II will be responsible for evaluating and determining the credit risks of commercial credits ...
Job Profile Summary. FUNCTION: Works proactively with loan officers to prepare independent comprehensive written presentations of the Bank's existing and prospective business lending relationships. These relationships range from small business loans originated by branches to the largest business loans, and include C&I, CRE, and community development transactions. KEY ACCOUNTABILITIES. Spreads and independently analyzes complex financial statement...
