Commercial Credit Analyst

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    "description": "<p><span style=\"font-family:Aptos,sans-serif\"><strong>About CFBank:</strong></span></p>\n\n<p><span style=\"font-family:Aptos,sans-serif\">We are an award-winning, fast-growing, high-achieving organization that thrives on winning. If you are seeking a place where you can have enhanced visibility, add more value, and you thrive in a dynamic and growth-focused environment, you belong at CFBank. We are agile, we work with integrity, and we hustle. For over 130 years we&rsquo;ve been serving our communities and over the past decade have become a top performer, successfully growing our business and attracting some of the best talent out there. We are a commercial bank that offers a boutique banking experience for personal banking clients. Our unique business model offers direct access to decision-makers, great technology, great products, and competitive pricing that position our teams to go into the market and win business</span></p>\n\n<p>&nbsp;</p>\n\n<p><strong>About the role:&nbsp;</strong></p>\n\n<p>This opportunity is best for candidates who have an interest in building a career in commercial lending and are seeking increased exposure, visibility, and potential impact. In this role, you will be part of a high-powered Credit team, who partners closely with our commercial sales teams across all our growing markets. Our commercial banking team is encouraged to generate a wide range of relationships spanning business banking and the middle market so expect variety in your daily work! A great opportunity to maintain an expansive skillset with direct access to executive management, all while serving a wide range of needs in local business communities.</p>\n\n<p>&nbsp;</p>\n\n<p><strong>What you&rsquo;ll do:</strong></p>\n\n<ul>\n\t<li>Responsible for underwriting and credit analysis in the areas of commercial lending, commercial real estate lending, and credit administration.</li>\n\t<li>Analyze financial records including earnings, savings, payments, and purchase of the company or individual and recommend other useful financial activity for further plans.</li>\n\t<li>Compare liquidity, profitability, and credit histories of individuals or companies being evaluated with similar establishments to determine risk.</li>\n\t<li>Complete loan applications, including credit analyses and summaries of loan requests, and submit for approval.</li>\n\t<li>Minimize bad debt risk and maximize accounts receivable collections.</li>\n\t<li>Generate financial ratios, using computer programs, to evaluate customers&#39; financial status.</li>\n\t<li>Comply with internal security policies and procedures and maintain customer confidentiality at all times.</li>\n\t<li>Adhere to all regulations, policies, and record-keeping requirements. Complete all required training related to bank regulations and policies.</li>\n\t<li>Accept other responsibilities and projects as requested to add value for CFBank.</li>\n\t<li>Spreads financial statements for Borrower and Guarantor using the credit presentation software program.</li>\n\t<li>Processes covenant testing according to procedures established by the Credit area of the Bank. Report deficiencies in covenant to management and loan officer.</li>\n\t<li>Assists Credit Administration in the review of real estate appraisals and evaluations as necessary prior to loan closings.</li>\n\t<li>Demonstrates proficiency in independently dealing with deadlines, managing workflow, and understanding processes in a timely manner.</li>\n\t<li>Participates in weekly credit committee meetings, presents loan packages to the executive board as necessary to outline strengths/weaknesses in the deal accordingly, responding to inquiries from officers and committee members&#39; questions.</li>\n\t<li>Participates in weekly sales meetings to discuss current workflow and status of credit packages. Develops an understanding of past-due loans, discussion of pending items to note for the upcoming week.</li>\n</ul>\n\n<p><strong>Education and Experience</strong></p>\n\n<ul>\n\t<li>At least 1 year of experience in credit/lending preferred.</li>\n\t<li>Understanding of rules, regulations, and best practices associated with lending, including ICRE and C&amp;I loan and lease types.</li>\n</ul>\n\n<p><span style=\"font-family:Aptos,sans-serif\"><strong>What We Offer:&nbsp;</strong></span></p>\n\n<ul>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Career advancement and skill enhancement opportunities as a result of our focus on growth through collaboration as well as our uniquely flat organizational chart, which provides all roles with unique visibility to the Executive team.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Excellent Benefits Package: Top benefits include dependent coverage, generous PTO, Federal Holidays, and Paid Parental Leave for those who qualify for eligibility.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">&ldquo;Accelerated&rdquo; 401k Plan and Employee Match of 50% of the first 8% deferred, available your&nbsp;<u>first</u>&nbsp;full month of employment with a 3 year vesting</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Employee Banking Products and Services and Direct Deposit of payroll to CFBank Account (over 90% of our employees bank with us!)</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Employee Assistance Program with a wide range of free resources such as estate planning and wellness resources</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">One of the most collaborative environments you&rsquo;ll find, with a team of hard-working mutually invested professionals who are excited about shared success</span></li>\n</ul>\n\n<p>&nbsp;</p>\n",
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