Credit Analyst

About the position

John Marshall Bank is looking for an experienced Credit Analyst to join our Credit Underwriting team in our Reston Headquarters. In this role you will oversee the review of financial, collateral, and other related documentation used to evaluate commercial loan requests to approve or deny applications for credit. You will participate in the credit approval process, monitor adherence to loan policy, ensure accuracy of the risk rating system, and ensure effective evaluation and administration of collateral. You will be responsible for the completion of financial spreads and analysis, credit approval and memo review for loan presentations in conjunction with Commercial Bankers, all in an independent and objective manner. Additionally, you will maintain a continuing and informative record of data from which lending officers may make fully informed loan decisions. You will spread and analyze historical and projected financial statements, tax returns, and other pertinent financial information to determine overall financial performance, condition, and creditworthiness of Borrower and other obligors. You will also review credit files for documentation and exceptions, submit periodic exception reports, and engage in effective and timely communication regarding credit considerations and issues with Credit Administration and Commercial Bankers. In addition to handling the normal flow of transactions, you may also be assigned to handle complex transactions.

Responsibilities

• Oversee the review of financial, collateral, and other related documentation used to evaluate commercial loan requests.
• Participate in credit approval process and monitor adherence to loan policy.
• Ensure accuracy of risk rating system and effective evaluation and administration of collateral.
• Complete financial spreads and analysis; credit approval and memo review for loan presentations.
• Maintain a continuing and informative record of data for lending officers.
• Spread and analyze historical and projected financial statements, tax returns, and other financial information.
• Review credit files for documentation and exceptions.
• Submit periodic exception reports.
• Engage in effective and timely communication regarding credit considerations and issues.
• Handle complex transactions as assigned.

Requirements

• At least 2 years experience in commercial credit analysis, underwriting, and/or a formal credit training program.
• Bachelor’s Degree in accounting or finance or related field from an accredited four-year college or university.
• Sound credit and analytical skills.
• Solid understanding of balance sheets, income, and cash flow statements.
• Proficiency with Microsoft Suite including Word and Excel.

Nice-to-haves

• Ability to learn internal bank systems and additional software applications.
• Advanced knowledge of commercial real estate, commercial and industrial, general business, asset-based, and real estate construction loans.
• Strong combination of interpersonal communication skills, analytical and decision-making skills.

Benefits

• Medical
• Dental
• 401K Retirement Plan w/ an Employer Match (4% match on 5% contributions)
• Vision
• Employee Assistance Program
• Flexible Spending
• Transit Reimbursement
• Dependent Day Care
• Long Term Care
• Paid Time Off
• Life and Disability Coverage