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Commercial Credit Analyst

Company: ROCH Capital
Location: Glen Mills
Posted on: November 23, 2021

Job Description:

APPLIED BANK, one of the highest rated banks in Delaware, is looking for an entry-level Commercial Credit Analyst in our corporate office located in Glen Mills, PA. The Commercial Credit Analyst will meet existing and potential client workflow demands by playing key roles in the conduct and management of client projects, participate in the development and execution of the company's business development plans and generally support company operations. The position will involve analyzing credit information pertaining principally to commercial and commercial real estate loans and preparing memorandums for presentation for approval by senior and executive management and directors of the Bank.

This position reports into the Glen Mills, PA Headquarters Monday - Friday from 8:00am-5:00pm

Essential Responsibilities:

  • Perform underwriting related to new commercial and commercial real estate loan origination and due diligence, including the evaluation of existing credit exposure and relationships.
  • Prepare financial statement spreads from operating statements and develop pro-forma scenarios and projections, analyze borrower and project credit quality, cash flow and collateral quality, etc. as delineated by the scope of the individual loan request.
  • Prepare written reports related to loans and collateral, recommend appropriate actions, and prepare correspondence and present results to management.
  • Analyze third-party reports and appraisals. Determine and obtain missing files and/or missing documentation as needed to complete the assignment.
  • Identify risks (and mitigants) to asset cash flows and negative aspects of loans and collateral. Review significant issues with senior management.
  • Perform collateral analysis and site inspections as needed.
  • Exercise independent judgment in the performance of risk assessment/analysis, underwriting and business development strategies to meet strategic objectives.
  • Strong business acumen and the ability to develop and manage internal and external relationship/accounts are required.
  • Ability to be an innovator, problem solver, and self-starter.
    Education & Work Experience:
    • Bachelor's degree in finance, accounting or related field desired, MBA a plus.
    • Internship(s) in Commercial Credit/Underwriting, preferred.
    • Proficiency in Microsoft Office and ability to efficiently model in Excel. Argus experience is a plus.

      We are an Equal Employment Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, ethnicity, religion, sex, national origin, age, sexual orientation, color, ancestry, familial status, marital status, veteran status, genetic information and physical and mental disabilities and any other characteristic protected by law. Associated topics: actuarial consultant, actuarial director, actuary, analyst, assistant actuary, associate actuary, cost, investment actuary, model, probability

Keywords: ROCH Capital, Philadelphia , Commercial Credit Analyst, Professions , Glen Mills, Pennsylvania

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