Credit Analyst II- Munster

• Analyzes applicant's business plan, financial status, loan repayment ability, net worth and earnings history for new, renewal and existing loans, identifies the risks of a credit, underwriting policy exceptions and assigns appropriate loan quality grades with approval of credit administration manager.
• Evaluates complex credits which include borrowers with multiple related entities, unique structures and large lending limits.
• Identifies the key risk factors and mitigants related to a specific transaction, as well as his/her assigned portfolio.
• Develops a well-informed and balanced view of the business, financial, and competitive risks faced by a company, sector, and industry.
• Interprets financial information, bank policies and prepares reports for the Business Bankers, Risk Management and other areas of the bank as needed and when required.
• Works independently with minimal assistance and provides support to the Credit Administration Manager, as needed.
• Mentors Credit Analysts and Credit Administrators in interpreting financial information, loan underwriting, risk assessment and training/development.
• Assists with the management of the credit underwriting platform including annual reviews, covenant testing, reporting, document management and financial tracking.
• Reviews appraisals and other third-party reports to assess collateral values and identify potential risks in a particular transaction.
• Maintains the commercial financial credit files with emphasis on the timely and accurate filing of financial data and due diligence items.
• Provides technical advice and assistance to Business Bankers, Chief Business Banking Officer, Loan Review personnel and other key positions, as assigned and needed.
• Participates in customer due diligence calls as necessary, attends client / bank meetings to develop a better understanding of the company, collateral and to assess management.
• Performs tasks and other duties as assigned, which are supportive in nature to the essential functions of the job but which may be altered or re-designed depending upon individual circumstances.

• Bachelor's degree in related field (accounting/finance/economics) or equivalent work experience.
• Minimum two years of Commercial Real Estate and Commercial & Industrial credit/lending experience required.
• Completion of a major corporate bank credit training program preferred.
• Broad exposure to credit practices, including credit structuring helpful.
• Strong written, verbal, organizational, analytical and interpersonal skills necessary.
• Familiarity with financial institution's business banking procedures required.
• Must have computer software proficiency, particularly in Microsoft Office.
• Proficiency in a credit underwriting platform.
• Must be able to read, interpret and analyze credit information.
• Requires strong project management skills with the ability to prioritize and successfully handle multiple projects simultaneously.

Peoples Bank