BankNewport

Analyst

• Analyze and interpret financial statements and related information for commercial loan customers and prospects
• Prepare credit approval memorandums for extensions of credit
• Evaluate creditworthiness and risks during the underwriting process
• Collaborate with Loan Officers to establish credit granting criteria
• Analyze commercial credit loan requests, including new loans, material loan modifications, credit change requests, renewals, and annual relationship reviews
• Spread, analyze, and interpret financial statement information for existing and prospective clients
• Prepare financial analyses of businesses and guarantors, including cash flow, balance sheet, sensitivity, property and market analyses, and ratio analysis
• Use WORD, Excel, and nCino for financial analysis and credit approval memorandums
• Complete due diligence by reviewing credit bureau reports, industry data, appraisal reports, and environmental research reports
• Form conclusions and communicate findings to management
• Identify loan policy exceptions and red flags during underwriting
• Assign risk ratings
• Prepare credit approval memorandums in nCino for approval by appropriate authorities
• Provide guidance and direction to junior underwriters and analysts
• Build business and customer relations through consistent and effective communication
• Perform other assigned duties

Senior Commercial Credit Analyst