Credit Analyst II
Posted
Summary
A Credit Analyst II at Stride Bank N.A. who investigates and analyzes credit risk for loan customers: reviewing tax returns, financial statements, credit reports and rent rolls, performing stress testing, risk-rating loans, and writing the financial analysis sections of loan proposals for lenders and committees.
The Credit Analyst II is responsible for the investigation and analysis of credit risks. The Credit Analyst II resolves moderately complex credit problems, develops and maintains financial background information on present and prospective customers, and develops credit studies for loan officers and committees.
PRINCIPAL DUTIES AND RESPONSIBILITIES
- Analyzes all customer financial information, including but not limited to, business tax returns and financial statements, personal tax returns and financial statements, credit reports, rent rolls, budgets, projections and any other financial information available.
- Determines and performs appropriate level of stress testing.
- Identifies risk and potential ways to mitigate it.
- Risk rates the loan based on transaction, property, borrower and guarantor.
- Researches markets and industries and prepare reports for management.
- Prepares summary tables and writes the financial analysis section for loan proposals and makes recommendations to lender.
- Performs annual status reports on existing loans and relationships.
Non-Essential Functions: Performs other duties as assigned.