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Evolve Bank & Trust: Credit Analyst

The Credit Analyst assists the Chief Credit Officer in field implementation and loan policies, procedures, and underwriting guidelines. Assists Payment Processing in financial analysis, identification of primary risk drivers. In addition, they will assist the accounting department in reviews and reports.

Main Job Tasks and Responsibilities:

Commercial Loan Analysis and Underwriting.
Assist the Chief Credit Officer in field implementation of loan policies, procedures & underwriting guidelines.
Assist Lenders in financial analysis, identification of the primary risk drivers, structuring of the loan, overall assessment of risk and ability to repay.
Participate in the loan approval process and provide recommendation.
Assist Loan Operations in solving loan related structure questions.
Assist in the process of vetting new loan products or niche markets.
Portfolio Review & Analysis.
Assist Accounting Department & Loan Operations in the development of monthly lending review & analysis reports (Board Meeting).
Compile requested portfolio metrics for Chief Credit Officer review.
Assist in the documentation of the ALLL analysis and yearly determination of the FAS 5 factors.
Responsible for the management of our spreading software program and vendor.
Special Projects / Requests.
Provide analytical assistance on special projects.
Work with lenders on training programs and concept reviews for specific loan requests.
Education and Experience:
Minimum of three years’ experience in commercial credit analysis, preferably at a financial institution or commercial finance organization.
Bachelors’ degree, preferably in business, economics, finance, or banking with a strong background in accounting and finance.

Key Competencies:
High attention to detail.
Able to prioritize and reprioritize work tasks and deliver work product under tight deadlines.
Good verbal and written communication skills.
Comfortable with conflicting views of others and able to adequately express their point of view.
Willingness to take ownership of recommendations and balance loan production with the proper risk/reward relationship.
Able to work well with peers, lenders and superiors.

To Apply, Click Here! 

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