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City First Bank · 12 hours ago

Commercial Credit Analyst II

DC-Baltimore Area

Full-time

Onsite

Mid, Senior Level

$115K/yr - $120K/yr

4+ years exp

City First Bank N.A. is a mission-driven Community Development Financial Institution focused on transformative impacts in underserved urban markets. The Commercial Credit Analyst II will support the Senior Credit Officer in managing the bank's loan portfolio, handling complex lending relationships, and performing credit analysis and underwriting.

BankingCommunitiesFinancial Services

Hiring Manager

Daniel Umstead

Responsibilities

Portfolio Management duties will include monitoring a portfolio of commercial loans risk rated of all ratings, perform analysis to determine the financial viability of the customer, develop and implement a strategy and plan for the collection of the loans. Coordinate with the relationship management team, attorneys, accountants and third-party guarantors during the monitoring/renewal or collection process

Assists with the identification of potential problem loans, recommends risk rating changes, and assumes responsibility for loans newly identified as criticized and classified problems loans with the goal to upgrade the risk rating of the loan to performing

Portfolio Manager must possess the ability to recognize revenue opportunities in the portfolio and to follow through on routine requests for credit or other bank services. There are no incremental sales targets; however, must ensure retention of existing clients and that credit needs are met to the extent the bank is comfortable

Credit Support duties will include analyzing and spreading the customer’s financial information, assessing the collateral, performing a delinquency review, performing industry comparisons, assessing the risk rating, and preparing the business, personal and global debt service coverage ability. In addition, written presentations will be prepared that detail the findings of the analysis

Assists the DCCO with monthly management and Board reporting activities including research of items that present anomalies to the portfolio. Ability to manage time accordingly to produce necessary and accurate reporting is a priority

Work with the DCCO on the ongoing CECL implementation process and to assist in the management of the ALLL during the transition and required parallel tracking period. Individual will be responsible for the data integrity management portion of the CECL adoption and implementation

Creates an atmosphere within the organization that attains and maintains a high level of morale and embraces our Vision, Values, Mission, and Team Expectations while providing “best in class” customer service to internal and external clients

Contributes to the development and implementation of annual department goals and individual

Qualification

Commercial credit analysisPortfolio managementFinancial statement analysisCredit underwritingMicrosoft OfficeBank core systemsSupervisory experienceCustomer serviceAttention to detailProblem solvingCommunication skills

Required

HS Diploma or equivalent

Bachelor's Degree in Business Administration, Finance, Accounting, or related field required; 3 additional years of commercial credit underwriting and analysis experience may be substituted for bachelor's degree

4+ years of commercial credit, financial statement analysis, portfolio management and customer service experience required

Completion of formal or in-house credit training required

Knowledge of Microsoft Office suite and other (credit analysis) systems and a hands-on working knowledge of a bank core system, e.g. FIS, FiServ, etc. Strong ability to manage multiple projects simultaneously

Uncompromised attention to detail and demonstrated eagerness to problem solve through research and application of experience/knowledge

Experience with commercial, construction, and real estate loan underwriting, and broad understanding of the bank's balance sheet, e.g. ALLL

Solid knowledge of and skills in personal computer operation, word processing and spreadsheet software

Knowledge of related state and federal lending and compliance regulations and other bank lending policies

Preferred

Experience structuring and pricing loan transactions to achieve organizational goals preferred

Strong supervisory experience

Organized, detail oriented, ability to articulate matters over the phone or in person, capable of working independently, can plan, set priorities, meet deadlines and work with little supervision while performing most duties

Strong ability to interact pro-actively with all levels of the organization

Company

City First Bank

City First Bank is a commercial community development bank, the largest Black-led Minority Depository Institution, and a certified as B Corp with branches and headquarters in Los Angeles, CA and Washington, DC; channeling intentional capital to low- and moderate-income neighborhoods; investing in multifamily affordable housing, nonprofits and small business development.

Founded in 1998

Washington, District of Columbia, USA

51-200 employees