Commercial Credit Analyst (Remote)

BayFirst National Bank - Saint Petersburg, FL

Full-time - Mid Level

Remote - Saint Petersburg, FL

About the position

The Commercial Credit Analyst at BayFirst National Bank plays a crucial role in evaluating and underwriting loan applications to determine creditworthiness and compliance with bank policies. This position is focused on preparing credit memos to support the approval of conventional commercial loans, ensuring that all necessary information is gathered and analyzed effectively. The role emphasizes independent work on complex credit requests while adhering to legal and regulatory requirements.

Responsibilities

• Evaluate and underwrite loan applications to determine creditworthiness and compliance with bank policies.
• Pre-screen Loan Presentation Summaries (LPSs) to ensure completeness of information and financial statements.
• Ensure adherence to bank policies, including the Bank Secrecy Act and Fair Credit Reporting policies.
• Prepare credit memos for requested loans to facilitate credit decisions.
• Coordinate with lending partners to structure loan requests in compliance with internal policies.

Requirements

• 3+ years of experience as a Commercial Credit Analyst, with experience in underwriting commercial real estate and C&I loans.
• Formal credit training from a bank.
• Proficient in financial statement spreading, preferably using Moody's.
• Strong skills in Microsoft Excel, Word, and Outlook, along with other analysis software.
• Ability to review and analyze customer financial information for sound credit decisions.

Nice-to-haves

• Experience using CoStar and other real estate or industry research tools.

Benefits

• Career development opportunities
• Competitive compensation
• Generous benefits package