Credit Analyst II – Healthcare, GI

Job Description: • Partner with Portfolio Managers in credit and underwriting, performing analytical tasks as needed • Use critical thinking to identify and draft documentation • Responsible for regularly completing indicative credit information into Banking Systems with little to no errors • Responsible for preparing risk-rating scorecard and tickler event analysis and determining actions based on results working in collaboration with PM's • Responsible for developing risk models and advising PMs of unforeseen obstacles that may impede meeting client expectations • Identify and determine monitoring analysis activities required • Verify covenants and define updates needed on ticklers • Monitor covenant completion and track past due or out of compliance covenants and recommend appropriate course of action • Responsible for assessing covenant compliance reporting and identifying issues • Review covenant compliance certificates to understand performance and determine actions • Update financial covenants and calculations as needed • Run Probability of Default (PD) model with oversight • Responsible for understanding and evaluating completed spreads to determine necessary edits working in collaboration with the CCU team • Responsible for identifying and recommending preliminary portfolio management actions using Credit Service reporting and RADAR with some oversight • Prepares ALSR reports with oversight • Responsible for running risk and projection models with oversight assumptions provided • Responsible for completing underwriting process with limited oversight • Create and complete a CAM with little to no errors • Review and re-write renewals for deals of limited complexity • Responsible for portfolio analysis and the development for Portfolio Reviews in preparation for client meetings • Support Portfolio Managers and special projects • Takes appropriate remedial actions to resolve deficiencies and escalates questions/disputes to appropriate level when necessary • May assist with training of new employees • May work on special projects as assigned by management Requirements: • Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting) • 2+ years of Commercial Banking experience • Sound Financial and risk analysis understanding, including the ability to develop financial models • Extensive Knowledge of banking products and services • Knowledge of corporate business structure and legal documents • General knowledge of U.S. government and regulation • Knowledge of the local or regional market preferred, but not required • Proficiency in internal banking applications • Strong verbal and written communication skills • Demonstrated expertise in using effective problem solving and analytical skills with ability to handle and prioritize multiple tasks • Proficient in all Microsoft Office software Benefits: • access to comprehensive medical, dental, and vision coverage • a 401(k) plan and employee stock purchase plan that both offer a generous employer match • flexible paid time off • comprehensive leave programs • unique benefits to support your overall mental and physical wellness