Commercial Credit Analyst I

• Proven ability to spread business financial statements/tax returns, perform ratio analysis, complete risk assessment and make sound credit decisions and recommendations via written and verbal presentations;
• Experience in supporting recommendations when challenged and in negotiating counteroffers, where appropriate;
• Proficiency in credit/lending transactions and analytical skill sufficient to enable independent underwriting of commercial requests for lines of moderate to large size and complexity with limited guidance required from immediate manager;
• Strong analytical and problem-solving skills;
• Proven ability to communicate verbally and in writing with internal and external customers and with various levels of management;
• Ability to work in a team environment;
• Flexibility in adapting to changing volumes and areas of focus (new applications versus portfolio reviews versus initiation of collections, etc.);
• Ability to investigate, recommend and initiate process improvements;
• Possess accounting and finance knowledge, and commercial banking experience
• Minimum 3 years commercial credit lending experience;
• Commercial credit card lending experience a plus;
• Computer skills specific to Microsoft products and proprietary systems;
• Bachelor’s degree in a business-related discipline (MBA a plus);

Successful completion of a major corporate bank commercial training program (or the equivalent corporate banking/corporate finance or accounting experience).