Commercial Credit Associate

Responsibilities include but are not limited to:

• Participates in credit training classes with proficiency evaluated through graded case work and testing. Training requirements, assigned tasks, and performance expectations must be met to proceed in the program.
• Prepares basic credit packages including credit analysis for extensions, modifications, and renewals of existing loan facilities and new loan requests.
• Spreads business financial statements using the Baker Hill/One Point system.
  Analyzes a company's operating performance and financial condition to understand business trends and to identify credit risks.
• Conducts cash flow analysis to evaluate loan repayment ability.
• Spreads and analyzes personal financial statements to evaluate personal liquidity, personal debt levels, and contingencies.
• Assesses collateral coverage.
• Performs industry/market analysis to identify industry trends and risks.
• Prepares loan offering and related forms for the credit package.
• Identifies and reports credit policy and underwriting experience.
• Completes underwriting requests within expected timeframes to meet assignment deadlines.
• Understands credit policies and is able to follow department procedures.

Required Skills:

• Strong analytical abilities and problem solving skills.
• Strong organizational skills with attention to detail.
• Excellent communication skills; express ideas and convey technical information in writing and verbally.
• Proficient in Microsoft Word and Excel and performing internet searches.
• Basic math skills including the ability to compute ratios.
• Ability to work in a fast paced environment and move quickly through assignments to ensure deadlines are met.
• Ability to work effectively with individuals and groups to manage internal and external customer relationships.
• Ability to read, interpret, and comprehend policies, procedures, and training materials.

Required Experience:

• Bachelor's Degree in a related discipline preferably in Business, Accounting, or Finance.
  Completion of at least two college level accounting classes and one college level finance class preferred.
• Minimum 3.0 GPA preferred.
• Completion of a business related internship preferred.