Junior Credit Analyst

Description

John Marshall Bank has an immediate opening for an experienced Credit Analyst to join our Credit Underwriting team of professionals at our Reston Headquarters.

 ESSENTIAL FUNCTIONS

• Oversees the review of financial, collateral, and other related documentation used to evaluate commercial loan requests to approve or deny applications for credit. 
• Participates in credit approval process; monitors adherence to loan policy, ensures accuracy of risk rating system, ensures effective evaluation and administration of collateral.  
• 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.
• Maintains a continuing and informative record of data from which lending officers may make fully informed loan decisions; spreads and analyzes, 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; reviews credit files for documentation and exceptions, submits periodic exception reports; and engages 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, this position is assigned to handle the most complex transactions.

Requirements

• Minimum of two years of experience in commercial credit analysis, underwriting, and/or a formal credit training program 
• Requires BS or BA degree in accounting or finance or related field from an accredited four-year college or university
• Advanced knowledge of commercial real estate, commercial and industrial, general business, asset-based, and real estate construction loans within respective economic market areas
• Sound credit and analytical skills
• Solid understanding of balance sheets, income, and cash flow statements
• Proficiency with Word and Excel
• Ability to learn internal bank systems and additional software applications
• Strong combination of interpersonal communication skills, analytical and decision-making skills, with the ability to make recommendations and offer solutions