Credit Analyst III Summary: Prepares written in-depth credit analysis for Commercial and Industrial and Commercial Real Estate loans by underwriting the basics of commercial credit worthiness and identifying and analyzing sources of payment. Job Functions: • Interprets financial data, financial condition and level of risk related to various types of borrowing entities and individuals including financial statement analysis, collateral evaluations, trend analysis ratio and industry analysis. • Creates cash flow schedules based on personal and business tax returns and/or financial statements. • Reviews and spreads financial statements and prepares comprehensive financial analysis on the creditworthiness of the borrower. • Creates Pro-Forma analysis to assess the company’s/individual’s ability to repay current and proposal debt obligations based on the perceived level of risk determined in the analysis. • Makes recommendations on approval or declination of loan requests. • Review appraisals and environmental reports. • Support the loan approval process through credit authorization preparation and distribution. Provide documentation of committee approvals and requirements. • Operate in a more senior position to provide assistance and act as a resource to the other analysts. • Work on FIMAC analytic or other Stress testing software and reports as required • Assist in the creation and completion of minutes to the various loan approval committees • May perform other tasks and assist in projects as needed. Position Requirements: • Bachelor’s Degree in Business, Finance, Accounting or related discipline. • Formal Bank Commercial Credit training or equivalent classes offered by third party providers (RMA, ABA, banking assns, etc.). • 5-8 years banking/credit experience with 3+ years credit analysis experience in commercial banking. Lending background preferred. • Knowledgeable of computer systems including word processing, databases, and Excel. • Experience with credit analysis software. • Knowledgeable in financial institution operating policies and procedures and banking regulations state and federal. Key Qualifications: • Demonstrated skill in analysis of business and individual financial statements, tax returns, and cash flows. • Understanding of commercial real estate project analysis, real estate appraisal reviews and property environmental evaluation reviews. • Working knowledge of all applicable Bank products and services. • Excellent problem-solving skills and good process-facilitating. • Detail oriented, good organizational, interpersonal, communications and writing skills.