Yadkin Bank - Baltimore, MD
posted 5 months ago
The Commercial Credit Analyst position is a critical role within the Credit business unit, primarily responsible for conducting thorough financial analyses of both current and prospective commercial loan customers. This involves spreading financial statements, analyzing industry and economic conditions, and completing cash flow analyses. The analyst will also prepare full underwriting presentations and perform credit investigations to assess the creditworthiness of borrowers, thereby protecting the bank from potential losses. The incumbent is expected to deliver the highest quality of service to every customer, ensuring that all analyses and recommendations are made with accuracy and timeliness. In this role, the analyst will analyze the creditworthiness of borrowers by identifying key credit issues and preparing comprehensive written analyses based on available information and established policies. This includes the completion of the FOCUS underwriting document and all its components, typically for loans involving one guarantor and one borrower type, under regular oversight from the manager. The position requires the use of Baker Hill software to navigate and spread various types of submitted financial statements, which is essential for evaluating a borrower's creditworthiness. Additionally, the analyst will prepare cash flow and global cash flow analyses for borrowers, ensuring adherence to established policies and procedures. Researching available data, including internet sources and subscription-based utilities, is also a key responsibility. The analyst will summarize information regarding the current and projected status of certain industries and borrowers, along with general economic trends, to support quality lending decisions. The role emphasizes continuous personal development in banking matters, compliance, credit analysis, and interpersonal skills. The analyst is expected to demonstrate effective communication, initiative, and judgment in interactions with customers and colleagues. Tracking covenants and performing other related duties and projects as assigned are also part of the job. All employees are accountable for managing risks associated with their roles, in line with F.N.B. Corporation's risk management program, and must comply with regulatory laws and company procedures.