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Become A Commercial Credit Analyst

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Working As A Commercial Credit Analyst

  • Getting Information
  • Interacting With Computers
  • Communicating with Supervisors, Peers, or Subordinates
  • Analyzing Data or Information
  • Making Decisions and Solving Problems
  • Mostly Sitting

  • $58,846

    Average Salary

What Does A Commercial Credit Analyst Do At People's United Bank

* Prepares objective written credit analyses including assigning accurate risk ratings for complex new loans or for the renewal of existing facilities as requested by account officers or required by policy.
* Analyzes financial statements, collateral, debt service, personal financial statements and personal cash flow, prepares lease synopsis, incorporates pertinent appraisal information and summarizes risks and mitigants, as applicable and germane to the size and complexity of the transaction.
* Demonstrates expertise in: proper loan structuring; legal and documentation issues; industry considerations that affect specific borrower types; credit policy and procedures and their impact on the transaction; and underwriting requirements specific to both CREF and C&I loan requests.
* Gathers information from Dun & Bradstreet and credit bureau reports to assess the borrower’s credit standing, and independently researches and gathers industry data from multiple sources as applicable.
* Tests financial covenants and prepare relationship sheets.
* Accompanies account officers on customer calls, particularly on larger or more complex credit requests to offer analytical support.
* Provides advice and guidance to Commercial Credit Analysts

What Does A Commercial Credit Analyst Do At Cit Group Inc.

* spreading financial statements, track loan reporting and covenant compliance, prepare loan tickler reports, monitor PD/LGD/risk ratings
* Assist with spreading financial statements on prospective borrowers
* Obtain and reviewing personal/business credit reports
* Maintain credit/legal files in accordance with credit policy
* Perform financial analysis on third party vendors
* Bachelor’s degree preferred
* Must possess the ability to provide comprehensive, analytical and thoughtful recommendations
* Must possess strong communication and interpersonal skills
* Must possess the ability to multitask and think independently
* Should possess problem-solving capabilities
* Should possess an inquisitive nature and the motivation to seek answers and provide solutions
* ID: 24217

What Does A Commercial Credit Analyst Do At Confidential Company

* Reviewing financial statements
* Calculating cash flow and collateral analysis
* Preparing formal loan presentations for approval
* Monitoring the commerical loan portfolio - providing additional analysis/reporting as needed
* Exception tracking Minimum one year of commercial credit experience with a bank is reqiured Someone that is currently a senior or junior credit analyst would be a great fit! Great benefits including 401k, health, dental, vision and vacation

What Does A Commercial Credit Analyst Do At Gm Financial

* Analyze financial statements of automotive dealerships and related customers including assigning accurate risk ratings.
* Interfacing with customers and internal/external stakeholders to obtain data to complete analysis.
* Preparing management summaries/proposals for credit committee approval.
* Perform other duties as assigned.
* REPORTING RELATIONSHIP: Reports to: Manager Commercial Credit
* Underwriting Job Requirements

What Does A Commercial Credit Analyst Do At Synovus

* Performs duties related to the credit review of commercial manually underwritten loans.
* Focuses primarily on standard, straight forward loan requests with limited independent decision making. ■ Conducts loan portfolio research to determine credit quality, character and soundness including, but not limited to: analysis of basic statistical data & financial statements, sensitivity analysis, industry analysis, management assessment, guarantor analysis, etc.
* Ensures the consistent use of well supported and factual analyses and processes to determine and recommend risk ratings.
* Seeks advice and direction on issues outside of assigned scope or guidelines. ■ Follows standard operating procedures when preparing analyses, reports, and presentations for management review.
* Performs accurate spreading of historical financial statements; prepares prudent projections, free of repetitious spread numbers and superfluous narrative; and represents a clear focus on the merits, risks, and mitigating factors accordingly.
* Ensures each step of the process is in compliance with all company and regulatory guidelines, policies, procedures and methodology.
* Stays abreast of variations in laws across state boundaries, if applicable. ■ May assist senior team members and commercial bankers to screen loan packages and collect "due diligence" materials.
* May interact with customers and accountants to collect information on routine, non-controversial issues.
* Provides analytical support for developing and maintaining credit studies, financial background information and other relevant data on present and prospective customers. ■ May assist with the maintenance of management reporting systems, both manual and automated, that provide an accurate and readily available reference library of loan portfolios, clients current and historical data, reports, SOP, etc.
* Ensures all support documentation, both prepared and submitted, are in compliance and retained in accordance with the company's records retention policy. ■ May participate in a support role to a senior team member for a large and/or complex client portfolio. ■ May work with specific lenders on portfolio management.
* Proactively prepares for renewals, performs calculation of borrowing bases, monitors covenants, etc. ■ Each team member is expected to be aware of risk within their functional area.
* This includes observing all policies, procedures, laws, regulations and risk limits specific to their role.
* Additionally, they should raise and report known or suspected violations to the appropriate Company authority in a timely fashion. ■ Performs other related duties as required
* The information on this description has been designed to indicate the general nature and level of work performed by employees within this classification.
* It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job
* Synovus is an Equal Opportunity Employer supporting diversity in the workplace.
* M/F/D/V/AA

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Commercial Credit Analyst Jobs

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Commercial Credit Analyst Career Paths

Commercial Credit Analyst
Underwriter Auditor Accounts Receivable Specialist
Accounts Receivable/Credit Manager
6 Yearsyrs
Senior Finance Analyst Treasury Manager
Assistant Treasurer
5 Yearsyrs
Commercial Loan Officer Assistant Vice President
Commercial Lending Vice President
10 Yearsyrs
Senior Credit Analyst Credit Manager
Credit And Collection Manager
7 Yearsyrs
Credit Manager Credit And Collection Manager
Credit Director
11 Yearsyrs
Portfolio Manager Underwriter Senior Credit Analyst
Credit Manager
5 Yearsyrs
Commercial Underwriter Senior Underwriter Risk Manager
Credit Risk Management Director
10 Yearsyrs
Relationship Manager Business Analyst Senior Finance Analyst
Finance Project Manager
8 Yearsyrs
Senior Finance Analyst Operations Manager Underwriter
Lending Services Manager
7 Yearsyrs
Assistant Vice President Office Manager Branch Manager
Manager, Assistant Vice President
7 Yearsyrs
Assistant Vice President Senior Manager Controller
Regional Controller
10 Yearsyrs
Loan Officer Credit Analyst
Regional Credit Manager
6 Yearsyrs
Underwriter Senior Credit Analyst Credit Manager
Senior Credit Manager
5 Yearsyrs
Finance Analyst Senior Finance Analyst Finance Manager
Senior Finance Manager
11 Yearsyrs
Relationship Manager Portfolio Manager
Senior Portfolio Manager
10 Yearsyrs
Manager, Assistant Vice President Mortgage Consultant Assistant Vice President
Senior Relationship Manager
10 Yearsyrs
Credit Manager Accountant Treasury Analyst
Treasury Manager
9 Yearsyrs
Finance Analyst Operations Manager Underwriter
Underwriting Manager
8 Yearsyrs
Manager, Assistant Vice President Commercial Loan Officer Assistant Vice President
Vice President & Sales Manager
9 Yearsyrs
Senior Credit Analyst Assistant Vice President
Vice President And Portfolio Manager
10 Yearsyrs
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Do you work as a Commercial Credit Analyst?

Commercial Credit Analyst Demographics

Gender

Male

60.9%

Female

36.0%

Unknown

3.1%
Ethnicity

White

62.3%

Hispanic or Latino

13.1%

Black or African American

11.7%

Asian

9.0%

Unknown

3.8%
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Languages Spoken

Spanish

39.1%

Mandarin

9.4%

German

7.8%

French

7.8%

Chinese

6.3%

Russian

4.7%

Korean

3.1%

Cantonese

3.1%

Italian

3.1%

Portuguese

1.6%

Bulgarian

1.6%

Hungarian

1.6%

Hebrew

1.6%

Romanian

1.6%

Albanian

1.6%

Lithuanian

1.6%

Braille

1.6%

Hindi

1.6%

Urdu

1.6%
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Commercial Credit Analyst Education

Schools

University of Phoenix

12.3%

Michigan State University

6.5%

Auburn University

6.5%

Texas A&M University

6.5%

Wayne State University

5.1%

University of Florida

5.1%

Grand Valley State University

5.1%

DePaul University

5.1%

Western Michigan University

5.1%

Southern Illinois University Carbondale

4.3%

West Virginia University

4.3%

Central Michigan University

4.3%

Hofstra University

4.3%

Wake Forest University

3.6%

University of Tennessee - Knoxville

3.6%

Villanova University

3.6%

Saginaw Valley State University

3.6%

University of Northern Iowa

3.6%

Louisiana State University and A&M College

3.6%

University of Denver

3.6%
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Majors

Business

36.2%

Finance

32.7%

Accounting

10.5%

Management

4.3%

Economics

4.0%

Marketing

1.9%

Real Estate

1.5%

Law

1.2%

Business Economics

1.1%

Communication

0.9%

Political Science

0.9%

International Business

0.8%

Legal Research And Advanced Professional Studies

0.7%

Education

0.6%

Health Care Administration

0.6%

Agricultural Business

0.6%

Management Science

0.5%

General Studies

0.4%

Project Management

0.4%

Criminal Justice

0.4%
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Degrees

Bachelors

49.7%

Masters

34.8%

Other

9.2%

Certificate

2.3%

Associate

2.2%

Doctorate

1.6%

License

0.1%

Diploma

0.1%
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Job type you want
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Part Time
Internship
Temporary

Real Commercial Credit Analyst Salaries

Job Title Company Location Start Date Salary
Commercial Credit Analyst Caritas Capital Partners, LLC New Haven, CT Dec 22, 2015 $92,997
Commercial Lending Credit Analyst Congressional Bank Bethesda, MD Feb 17, 2014 $62,500
Commercial Credit Analyst HSBC Bank USA, N.A. New York, NY Feb 28, 2011 $60,000
Commercial Credit Senior Analyst Bank of America N.A. Thousand Oaks, CA Oct 01, 2010 $58,000 -
$78,000
Commercial Credit Analyst First Clover Leaf Bank, Na Edwardsville, IL Mar 15, 2016 $55,973
Commercial Credit Analyst Caritas Capital Partners, LLC New Haven, CT Sep 10, 2016 $53,500
Commercial Credit Analyst Caritas Capital Partners, LLC New Haven, CT Jul 01, 2014 $53,500
Commercial Credit Analyst Webbank Corporation Salt Lake City, UT Oct 01, 2015 $51,000
Commercial Credit Analyst Caritas Capital Management, LLC New Haven, CT Jul 01, 2011 $50,000
Commercial Credit Analyst Caritas Capital Partners, LLC New Haven, CT Jul 01, 2011 $50,000
Commercial Credit Analyst Barre Savings Bank Barre, MA Jan 05, 2015 $48,318
Commercial Credit Analyst Barre Savings Bank Barre, MA May 01, 2015 $48,318
Commercial Credit Analyst Naugatuck Valley Savings and Loan Naugatuck, CT Sep 25, 2014 $48,147
Commercial Credit Analyst Naugatuck Valley Savings and Loan Naugatuck, CT Oct 01, 2014 $48,147
Commercial Credit Analyst II First Tennessee Bank Na Memphis, TN Aug 15, 2016 $46,842
Commercial Credit Analyst II First Tennessee Bank Memphis, TN Aug 15, 2016 $46,842
Commercial Credit Analyst Caravan Product, Inc. Hallandale Beach, FL Jan 18, 2011 $45,000
Commercial Credit Analyst Central One Federal Credit Union Shrewsbury, MA Apr 01, 2011 $42,157
Commercial Credit Analyst Central One Federal Credit Union Shrewsbury, MA May 01, 2011 $42,157

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Top Skills for A Commercial Credit Analyst

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  1. Personal Financial Statements
  2. Loan Applications
  3. Committee Meetings
You can check out examples of real life uses of top skills on resumes here:
  • Analyzed business/personal financial statements and tax returns to determine the creditworthiness of a loan applicant.
  • Evaluate completed loan applications, including performing credit analysis then submitting report to loan committee for approval/denial.
  • Represent commercial credit department at Management Loan Committee meetings.
  • Developed key relationship with senior loan officers providing extensive analysis of middle market customers and commercial real estate.
  • Spread borrowers and guarantors financial statements and prepare detailed credit packages.

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Top Commercial Credit Analyst Employers

Jobs From Top Commercial Credit Analyst Employers

Commercial Credit Analyst Videos

Credit Analysis 101

Fundamentals of Business Credit Analysis

Credit Analysis Manager, Career Video from drkit.org

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