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gpac · 8 hours ago

Sr Commercial Credit Analyst

Poughkeepsie, NY

Full-time

Onsite

Mid, Senior Level

$95K/yr - $110K/yr

2+ years exp

GPAC is an award-winning search firm specializing in placing quality professionals within multiple industries across the United States. The Sr Commercial Credit Analyst will support lenders in underwriting requests for credit extensions to commercial clients, perform detailed financial analysis, and ensure compliance with credit policies.

ConsultingHuman Resources

Responsibilities

Analyzes data (i.e. financial statements, agency reports) on prospective and active borrowing accounts and prepares written reports evaluating the short and long-term prospects of the individual or company

Makes recommendations to Loan Officers on the granting or denying of loans and prepares sufficient information (i.e. loan submissions) to document recommendations

Identify and interpret trends in financial data. Interpret key financial ratios (e.g. cash flow to debt service, debt-to-equity, etc.)

Provides thorough documentation of all financial analysis with via spreadsheets and written credit offering memorandums

Suggests a loan grade after conducting a thorough credit analysis and documentation review

Coordinates specific work tasks within the department in order to ensure the smooth and efficient flow of information

Provides assigned reports

Performs annual review of loan relationships