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    Commercial Credit Analyst - Columbus, United States - gpac

    GPAC background
    Description

    I am looking for a Commercial Credit Analyst to join the team of a growing community bank in Central Ohio.

    Must have:

    2 years of expereince

    BA Degree or relevant experience

    C&I/CRE

    Understand and promote the bank's credit culture and credit policies

    Responsibilities include:

    Financial Statement Analysis: Evaluate the financial statements of potential borrowers, including income statements, balance sheets, cash flow statements, and other relevant financial data. Assess the borrower's financial performance, stability, and capacity to repay the loan.

    Credit Risk Management: Developing and implementing credit risk policies, procedures, and guidelines to ensure the bank's lending activities are conducted in a prudent and controlled manner.

    Credit Analysis and Approval: Overseeing the credit analysis process to assess the creditworthiness of borrowers and determine the terms and conditions of loan approvals.

    Portfolio Management: Monitoring the bank's credit portfolio to identify and address potential risks and ensuring that credit exposures are diversified and balanced.

    Risk Assessment: Evaluating the credit risk associated with various types of loans and other credit-related transactions, such as trade finance, letters of credit, and guarantees.

    Credit Underwriting: Reviewing and approving credit decisions made by the lending team to ensure they align with the bank's risk appetite and credit standards.

    Regulatory Compliance: Ensuring that the bank's credit operations comply with relevant laws, regulations, and internal policies.

    Credit Monitoring and Reporting: Implementing credit monitoring mechanisms to track the performance of loans and providing regular reports to senior management and relevant stakeholders.

    Loss Mitigation: Developing strategies to minimize credit losses and overseeing the management of non-performing loans.

    Credit Policy Review: Periodically reviewing and updating the bank's credit policies in response to changing market conditions and risk factors.

    Team Management: Leading and managing the credit department, providing guidance to team members, and fostering a strong credit culture within the organization.

    Skills and Qualifications:

    • Bachelor's degree in finance, accounting, economics, or a related field.
    • Previous experience in commercial lending, credit analysis, financial analysis, or related fields is highly desirable.
    • Strong analytical and quantitative skills with the ability to interpret complex financial data and trends.
    • Knowledge of commercial lending principles, loan structuring, and credit risk assessment methodologies.
    • Familiarity with financial modeling techniques and proficiency in using spreadsheet software.
    • Excellent written and verbal communication skills, with the ability to present complex information in a clear and concise manner.
    • Attention to detail and the ability to prioritize and manage multiple tasks efficiently.
    • Knowledge of relevant laws, regulations, and compliance requirements related to commercial lending.
    • Strong ethical standards and a commitment to maintaining confidentiality and data security.
    • Proficiency in using financial analysis software and databases is a plus.
    • Knowledge of relevant laws, regulations and compliance requirements related to commercial lending.

    Please send resume to me asap: and/or call/text

    Hiring immediately

    All

    qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations.

    GPAC (Growing People and Companies) is an award-winning search firm specializing in placing quality professionals within multiple industries across the United States since 1990. We are extremely competitive, client-focused and realize that our value is in our ability to deliver the right solutions at the right time.

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