POSITION PURPOSE AND OBJECTIVES:
The Commercial Credit Analyst II is responsible for evaluating
strengths and weaknesses of all business loans and recommending
loans for approval.
? Bachelor?s degree or equivalent experience required. Preferred
in Finance, Accounting, Business or Economics.
? Minimum of 3 years of accounting, financial analysis or bank
credit administration experience required.
? Ability to conduct complex financial analysis, use spreadsheet
software tools, and effectively communicate findings to loan
officers and senior management.
? Proficiency in Microsoft Office products and internet
ESSENTIAL JOB FUNCTIONS AND RESPONSIBILITIES:
? Review application, credit reports, and other information
submitted with application.
? Obtain or inform lenders if additional information is needed
to complete analysis.
? Conduct financial analysis including spreading statements,
ratio analysis, and peer and industry comparisons as available.
Also review and analyze the financial condition of any
? Maintain average turnaround time for credit analyses at two
days or less.
? Make recommendations to Special Asset Committee/Loan Review
for review of potentially troubled credits.
? Prepare narrative analysis of findings and drafts credit
memorandum/loan presentation for lenders.
? Monitor borrowing bases and loan covenants.
? Obtain and retain product knowledge certification.
? Participate in the origination process with the loan officer
to include follow up with customer, as needed.
? This position will conduct 300-350 of officer requested credit
analyses and draft loan presentations each year.
? Maintain a working knowledge of compliance requirements
affecting your position and area of responsibilities and actively
learn new regulations and assist in the implementation, if
? Model and foster behaviors that support the Bank?s values and
corporate culture creating an atmosphere of trust, cooperation,
accountability and dedication to the organization.
? Willingly perform all other duties and projects as
INTERPERSONAL SKILLS AND COMPETENCIES REQUIRED:
? Excellent verbal and written communications skills for
effective interactions with loan officers and senior management to
communicate loan decision findings.
? Must be self-motivated and work in a team environment.
? Requires a strong sense of urgency.
The physical demands described here are representative of those
that must be met by an associate to successfully perform the
essential functions of this position. Reasonable accommodations may
be made to enable individuals with disabilities to perform the
While performing the duties of this position, the associate is
regularly required to sit, use hands to finger, handle, or feel;
and talk or hear. The associate frequently is required to stand or
walk. The associate is occasionally required to reach with hands
and arms. The associate must occasionally lift and/or move 10
pounds. Specific vision abilities required by this position include
close vision, and distance vision. The noise level in the work
environment is usually moderate.
? Travel between Republic Banking facilities may be
? Occasional out-of-town travel may be required.
? Flexible work schedule that will include some evenings and
? Stay abreast of new developments, best practices, and
statutory and regulatory changes.
**The above is intended to describe the general content of and
requirements for the performance of this position. It is not
construed as an exhaustive statement of duties, responsibilities or