Credit Analyst II

Job Description

The Credit Analyst II is responsible for performing financial statement spreading, underwriting and credit analysis to support commercial lending and commercial loan portfolio management activities.  The Credit Analyst II will be focused on completing credit memos representing new money requests to new and existing Borrowers.  The Credit Analyst II will also support the Portfolio Management team by completing annual reviews, renewals, change memos and modifications. 

Essential Functions

• Prepare timely, high quality credit analysis and recommendations that accurately and thoroughly evaluate the strengths and weaknesses associated with credit actions.
• Engage in the Opportunity Memo process, assessing the strengths and weaknesses of credits and finalizing Opportunity Memos for presentation.  Actively participate on OM calls. 
• Effectively analyze financial statements and related data, industry risk, loan structure and market conditions to assess the overall creditworthiness and repayment ability of borrowers.
• Utilize financial spreading software as well as other financial analysis tools to evaluate borrower’s cash flow and determine adequacy of the borrower’s primary and secondary repayment sources.
• Conduct underwriting, identify credit risks, analyze repayment capacity and prepare collateral coverage and present in a narrative format within credit memos or modifications to support requests for new money, renewals, annual reviews and modifications.
• Work within the guidance of the credit approval team to recommend appropriate credit structuring, documentation, and risk controls on credit requests.
• Assist in determining the appropriate level of underwriting and due diligence for the credit’s risk profile
• Complete underwriting tasks within expected service level and turnaround times.
• Participate in business calls with commercial lending and credit administration teams.
• Maintain a working knowledge of macroeconomic issues in local markets and regional industries
• Maintain data integrity with the underwriting platform to ensure accurate record of credit relationships.
• Responsible for all compliance and audit-related matters in area of responsibility
• Remain current on all banking rules and regulations relating to Credit Administration, Commercial Lending and Appraisals
• Identify policy exceptions for credit requests consistent with the Bank’s Commercial Credit Policy.
• Monitor, develop, and suggest revisions to workflows and procedures as necessary to enhance efficiency and minimize expenses
• Identify potential for credit losses and mitigate risk appropriately
• Utilize risk rating models to accurately determine risk ratings for credit requests.
• Prioritize assignments with guidance from the Commercial Credit Managers.
• Evaluate the financial condition of guarantors through the effective analysis of personal financial statements and personal tax returns.
• Perform loan covenant testing calculations and update covenant compliance records
• Complete education, as identified or assigned, provides expertise in loan underwriting, loan structuring, and overall professional development.
• Develop business writing and professional communication skills.
• Review loan documentation to confirm accuracy.
• Perform other related duties and/or projects as assigned.
• Serve, when requested, on special teams and projects
• Provide educational training and support for new analysts
• Ensure compliance with Northwest’s policies and procedures, and Federal/State regulations
• Navigate Microsoft Office Software, computer applications, and software specific to the department to maximize technology tools and gain efficiency
• Work as part of a team
• Work with on-site equipment

Education and Experience

• Bachelor’s degree in business administration, management, accounting, finance or other related discipline
• 3 - 5 years relevant commercial lending or credit administration experience, specifically related to CRE and C&I lending

Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.