GENERAL FUNCTION:

The Credit Analyst is primarily responsible forcompletingthe daily duties of underwriting and monitoring credit while performing analytical activities and identifyingrisks or issues as needed. In addition, a Credit Analyst drafts credit approval documents andreviewmemos for loans and other ancillary products. documents and prepare for credit reviews. The Credit Analystisknowledgeable on financial and risk analysis anddemonstratesproficiency in financial modeling.

The Credit Analyst is expected to buildproficiencyin underwriting, developing the ability to complete the underwriting process from beginning to end with limited oversighton increasingly complex credits. Additionally, the Credit Analyst willattendand support Portfolio Reviews as needed.

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers andcolleagues, andensures that actions and behaviors drive a positive customer experience. While operatingwithin the Bank's risk appetite, achievesresults by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Responsible for proactivelymonitoringCredit Excellence and initiating collection of financial statements for upcoming renewals and periodic reviews. 

• Prepare succinctcredit approval memos with minimal errors,including company and industry descriptions, key credit risks, historical analysis, base and downside case projection assumptions/rationale and terms and conditions.

• Completeongoing portfolio monitoring, including covenant tracking, financial statement reviews,and runrisk rating models.

• Identifyand determinemonitoring analysis activities required

• Verify covenants and define updates needed on ticklers

• Monitor covenant completion and track past due or out of compliance covenants and recommendappropriate courseof action

• Responsible for understanding and evaluating completed spreads todeterminenecessary edits working in collaboration with the CCU teamworkstoidentify and resolve required edits or corrections

• Generate and provide various pipeline and portfolio reporting as needed to credit leadership, portfolio managers, underwriters, relationship managers and others as needed.

• PrepareCriticized Period Reviewsreportswith oversight

• Responsible for running projection models with assumptions provided

• Responsible for completing underwriting process with limited oversight

• Preparesportfolio analysis and Portfolio Reviewmaterials

• Ensure accuracy, integrity, and timeliness of credit data across internal systems and reports

• Takeappropriate actionto resolve data, documentation, or analysis deficiencies and escalate questions to the appropriate level

• Identifyemerging risks or negative trends and escalate appropriately.

• Maintain a working knowledge of Bancorp credit policies,guidelines and procedures. 

• Perform Borrowing Entity PD Ratings and Obligation LGD Ratings.  

• Mayassistwith training and onboarding of new employees

• May support special projects or ad hoc analysis as assigned by management

SUPERVISORY RESPONSIBILITY: None 

MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED: 

• Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting) 

• 2+ years of Commercial Banking credit analysis experience. 

• Sound Financial and risk analysis understanding, including the ability to develop financial models 

• Extensive Knowledge of banking products and services 

• Knowledge of corporate business structure and legal documents 

• General knowledge of U.S. government and regulation 

• Proficiency in internal banking applications 

• Strong verbal and written communication skills 

• Demonstrated strong problem-solving and analytical skills, with the ability to manage and prioritize multiple tasks while maintaining close attention to detail. 

• Proficient in all Microsoft Office software