Corporate Banking Credit Analyst I

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    "ExternalDescriptionStr": "<p style=\"margin-bottom: 0in;\">The <strong>Credit Analyst</strong> will conduct detailed research and analysis of market data, trends and other factors related to the financing that will be considered as part of credit decisions. The individual will support a team of Portfolio Managers and Relationship Managers to understand and apply credit policy and field questions related to financial analysis and interpreting financial statements. Successful Credit Analysts become well-positioned for a promising career in Commercial Credit and are equipped with the fundamentals of underwriting, which will be transferrable to a wide range of opportunities.</p><p style=\"margin-bottom: 0in;\">&nbsp;</p><p style=\"margin-bottom: 0in;\"><strong>A Day in the Life of a Corporate Banking Credit Analyst</strong></p><ul><li>Conduct written summaries of related industry and market environments, preliminary customer/prospect analysis including Sponsor analysis, and Borrower’s operating history and repayment capacity</li><li>Identify situations that may require policy exceptions and make recommendations that mitigate credit risks or remedy possible exceptions</li><li>Communicate internally as well as with customers directly on financial analysis or account management issues</li><li>Interact directly with Portfolio Managers and Relationship Managers and to answer questions related to financial reporting requirements, interpreting financial statements from other Credit Analysts and maintaining credit files</li><li>Participate in the underwriting process and conduct accurate, well organized analysis of various commercial borrowers including financial statement and projection analysis along with preparing profitability, risk and facility rating models</li></ul><p style=\"margin-bottom: 0in;\"><strong>What we have to offer</strong></p><ul><li>Formal training, strategies and tools to support personal growth and the development of strong team relationships</li><li>Performance-based career growth opportunities and the opportunity to become a future leader in the Commercial Credit space</li><li>Collaborative workforce committed to supporting ideas and feedback and accelerating potential</li><li>Team atmosphere of diverse, inclusive professionals committed to making an impact as an organization</li><li>Opportunities to volunteer and give back to our local communities</li></ul><p style=\"line-height: normal; margin-bottom: 0in;\"><strong>Qualifications, Education, Certifications and/or Other Professional Credentials</strong></p><ul><li>Bachelor’s degree is required</li><li>Equivalent work experience or completion of formal credit training program and up to 2 years of applied financial analysis working with straight forward to moderately complex credits in a commercial banking environment is strongly preferred</li><li>1-3 years of commercial banking experience is preferred. Commercial Banking experience may include internships, formal credit training, business banking, middle market, and/or specialty commercial banking, commercial banking administration, commercial banking operations, commercial credit/risk oversight, and commercial loan documentation/funding/servicing or other relevant experience.</li><li>Position requires basic internet search skills, developed knowledge of financial statement spreading and profitability modeling, effective verbal and written communications skills, ability to manage multiple priorities at once</li></ul><p style=\"line-height: normal; margin-bottom: 0in;\"><strong>Hours &amp; Work Schedule</strong></p><ul><li>Hours per Week: 40</li><li>Work Schedule: Monday through Friday</li></ul><p>&nbsp;</p><p class=\"x_MsoNormal\" style=\"-webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); color: rgb(36, 36, 36); font-family: Aptos, sans-serif; font-size: 12pt; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; margin: 0in; orphans: 2; text-align: start; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;\"><span style=\"color: inherit;\"><span class=\"markgqrlzgip3\" data-markjs=\"true\" data-ogac=\"\" data-ogab=\"\" data-ogsc=\"\" data-ogsb=\"\" data-olk-copy-source=\"MessageBody\" style=\"border: 0px; font: inherit; margin: 0px; padding: 0px; vertical-align: baseline;\"><strong>Pay</strong></span></span><strong> </strong><span style=\"color: inherit;\"><span class=\"mark4rdupmd4p\" data-markjs=\"true\" data-ogac=\"\" data-ogab=\"\" data-ogsc=\"\" data-ogsb=\"\" style=\"border: 0px; font: inherit; margin: 0px; padding: 0px; vertical-align: baseline;\"><strong>Transparency</strong></span></span></p><p class=\"x_MsoNormal\" style=\"-webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); color: rgb(36, 36, 36); font-family: Aptos, sans-serif; font-size: 12pt; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; margin: 0in; orphans: 2; text-align: start; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;\">The <span style=\"color: inherit;\"><span class=\"markoxj7sebre\" data-markjs=\"true\" data-ogac=\"\" data-ogab=\"\" data-ogsc=\"\" data-ogsb=\"\" style=\"border: 0px; font: inherit; margin: 0px; padding: 0px; vertical-align: baseline;\">salary</span></span> range for this position is $85,000 - $108,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual <span style=\"color: inherit;\"><span class=\"markgqrlzgip3\" data-markjs=\"true\" data-ogac=\"\" data-ogab=\"\" data-ogsc=\"\" data-ogsb=\"\" style=\"border: 0px; font: inherit; margin: 0px; padding: 0px; vertical-align: baseline;\">pay</span></span> is based on various factors including but not limited to the work location, and relevant skills and experience.</p><p class=\"x_MsoNormal\" style=\"-webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); color: rgb(36, 36, 36); font-family: Aptos, sans-serif; font-size: 12pt; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; margin: 0in; orphans: 2; text-align: start; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;\">We offer competitive <span style=\"color: inherit;\"><span class=\"markgqrlzgip3\" data-markjs=\"true\" data-ogac=\"\" data-ogab=\"\" data-ogsc=\"\" data-ogsb=\"\" style=\"border: 0px; font: inherit; margin: 0px; padding: 0px; vertical-align: baseline;\">pay</span></span>, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit <a href=\"https://jobs.citizensbank.com/benefits\" data-auth=\"NotApplicable\" data-linkindex=\"1\" title=\"https://jobs.citizensbank.com/benefits\" style=\"border: 0px; color: rgb(70, 120, 134); font: inherit; margin: 0px; padding: 0px; vertical-align: baseline;\"><span style=\"color: blue;\"><span style=\"border: 0px; font: inherit; margin: 0px; padding: 0px; vertical-align: baseline;\"><u>https://jobs.citizensbank.com/benefits</u></span></span></a> .</p>",
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