Job Description The Junior Credit Administration Analyst plays a crucial role in the loan review process, maintaining the quality of our loan portfolio by assisting in the analysis of all Commercial Real Estate / Residential loans under the Credit Administration & Independent Loan Review Policy and Lending Policies. This role is responsible for analyzing and reviewing loan documentation, assessing risks, and providing insightful data and reports to make informed decisions. Reports To • Credit Administration Manager Primary Responsibilities • Conduct in-depth analysis of loan applications and reports, including assessing financial statements, cash flow, and collateral to evaluate risk and determine creditworthiness. • Perform loan file reviews to ensure compliance with credit policies, procedures, and regulatory standards. • Analyze borrower financial data to identify potential risks or issues that may impact the loan portfolio. • Prepare detailed risk assessments and recommendations for management regarding loan approvals, renewals, and modifications. • Monitor the performance of existing loans and provide timely reports on loan status, delinquencies, and potential defaults. • Work closely with loan officers, underwriters, and legal teams to gather necessary information for loan review and ensure smooth approval processes. • Collaborate with the Credit Administration team to resolve issues related to documentation and compliance. • Ensure that all loan documents are complete and compliant with industry regulations. • Assist with internal and external audits related to credit administration and loan review. • Other duties as assigned. Desired Skills & Experience • BA or BS in Business Administration, Finance, Accounting, or related area is preferred. • 2+ years of experience in credit analysis, loan review, or a related financial analysis role. • Knowledge of credit policies, procedures, and regulations in the financial services industry. • Certification in Credit Analysis (e.g. CFA, CRC) or other relevant credentials is a plus. • Experience with loan management systems and financial software. • Strong analytical and problem-solving skills. • Excellent written and verbal communications skills. • Highly organized, detail oriented, and able to adhere to deadlines in a timely manner. • Proficient in Microsoft Office Suite, including experience in Excel spreadsheets and Power Point Reports