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Credit Analyst

Description

Ref ID: 01380-0011500973

Classification: Credit Analyst

Compensation: $60000.00 to $80000.00 yearly

Summary The primary focus of a Commercial Credit Analyst is providing written presentation of interpreting and analyzing business and personal financial statements, tax returns, credit reports and other information pertinent to the evaluation of a commercial loan request to a Commercial Loan Officer and/or the Commercial Lending Committee. Additionally, a Commercial Credit Analyst completes annual credit reviews, property inspections and property valuations. Essential Functions • Interpret and analyze business and personal financial statements, tax returns, credit reports and other information pertinent to the evaluation of a commercial loan request. • Determine profitability, net worth, and ability for repayment, creating cash flow analysis for all borrowers and guarantors. • Generate financial ratios to evaluate members' current financial status, trends and comparison to industry averages. • Assess collateral values and credit risk associated with commercial loan requests. Perform asset verifications and property inspections as needed. • Provide written presentation of the credit request along with risk rating to the Commercial Loan Officer. • Perform analysis for annual credit reviews to identify continued creditworthiness. • Identify strengths and weaknesses of a business borrower to effectively manage credit exposure. • Strong understanding of the core system and all commercial lending software systems. • Prepare appraisal reviews and have a general understanding of appraisals. Key Attributes • Oral and written communication skills. • Member service focus. • Attention to detail and accuracy. • Positive attitude that supports a team environment. • Dependable and punctual; flexible during peak times. • High level of confidentiality. • Organizational skills. • Self-motivated; ability to work without close supervision. • Problem solving; analysis. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job: • Occasionally lift and/or move items over 10 pounds. • Remain sedentary (seated) for extended periods of time. Working Conditions This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines. Travel Limited travel expected. Required Education and Experience • Bachelor's Degree in Accounting, Finance or Business. • Credit analysis and credit analytical skills. • Strong knowledge of asset/liability management and risk analysis. • Fluent computer skills in a Microsoft Windows environment. Must include Excel.

Requirements

MS Excel, Banking Credit Analysis, Credit - Commercial, Credit Analysis, Analysis, Risk Analysis

Robert Half Finance & Accounting matches skilled finance and accounting professionals in the areas of accounting, bookkeeping, finance, audit, taxation and more on a full-time basis. Our personalized approach, innovative matching technology and global network with local market expertise help you find the legal opportunities that match your skills and priorities — fast. By working with us, you have access to challenging opportunities, competitive compensation and benefits, and training to enhance your skill sets.

From philanthropy to environmental stewardship to employee programs, Robert Half is proud to have an active role in the communities in which we live and work. Our company has appeared on FORTUNE’s “Most Admired Companies” list every year since 1998.

Download our mobile app to take your job search on the go!

Contact your local office at 888.490.5461 or visit www.roberthalf.com/jobs/finance to apply for this job now or find out more about other job opportunities.

All applicants applying for U.S. job openings must be authorized to work in the United States. All applicants applying for Canadian job openings must be authorized to work in Canada.

© 2020 Robert Half Finance & Accounting. An Equal Opportunity Employer M/F/Disability/Veterans.

By clicking 'Apply Now' you are agreeing to Robert Half Terms of Use.

Job Snapshot

Location US-IL-Oswego
Employment Type Full-Time
Pay Type Year
Pay Rate N/A
Store Type Accounting, Finance
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Company Overview

Robert Half

Robert Half is America’s top staffing agency, dedicated to helping talented people like you find rewarding temporary and full-time jobs with today’s leading companies. Our staffing experts work closely with local hiring managers and use AI-powered matching technology to find opportunities that match your skills and professional goals. With decades of experience in placing accounting, finance, administrative, technology, creative, marketing and legal professionals, we’ll help ensure your next career move is a successful one. Learn More

Contact Information

US-IL-Oswego
Recruiter
630- 836-7144
630- 393-7656
Snapshot
Robert Half
Company:
US-IL-Oswego
Location:
Full-Time
Employment Type:
Year
Pay Type:
N/A
Pay Rate:
Accounting, Finance
Store Type:

Description

Ref ID: 01380-0011500973

Classification: Credit Analyst

Compensation: $60000.00 to $80000.00 yearly

Summary The primary focus of a Commercial Credit Analyst is providing written presentation of interpreting and analyzing business and personal financial statements, tax returns, credit reports and other information pertinent to the evaluation of a commercial loan request to a Commercial Loan Officer and/or the Commercial Lending Committee. Additionally, a Commercial Credit Analyst completes annual credit reviews, property inspections and property valuations. Essential Functions • Interpret and analyze business and personal financial statements, tax returns, credit reports and other information pertinent to the evaluation of a commercial loan request. • Determine profitability, net worth, and ability for repayment, creating cash flow analysis for all borrowers and guarantors. • Generate financial ratios to evaluate members' current financial status, trends and comparison to industry averages. • Assess collateral values and credit risk associated with commercial loan requests. Perform asset verifications and property inspections as needed. • Provide written presentation of the credit request along with risk rating to the Commercial Loan Officer. • Perform analysis for annual credit reviews to identify continued creditworthiness. • Identify strengths and weaknesses of a business borrower to effectively manage credit exposure. • Strong understanding of the core system and all commercial lending software systems. • Prepare appraisal reviews and have a general understanding of appraisals. Key Attributes • Oral and written communication skills. • Member service focus. • Attention to detail and accuracy. • Positive attitude that supports a team environment. • Dependable and punctual; flexible during peak times. • High level of confidentiality. • Organizational skills. • Self-motivated; ability to work without close supervision. • Problem solving; analysis. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job: • Occasionally lift and/or move items over 10 pounds. • Remain sedentary (seated) for extended periods of time. Working Conditions This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines. Travel Limited travel expected. Required Education and Experience • Bachelor's Degree in Accounting, Finance or Business. • Credit analysis and credit analytical skills. • Strong knowledge of asset/liability management and risk analysis. • Fluent computer skills in a Microsoft Windows environment. Must include Excel.

Requirements

MS Excel, Banking Credit Analysis, Credit - Commercial, Credit Analysis, Analysis, Risk Analysis

Robert Half Finance & Accounting matches skilled finance and accounting professionals in the areas of accounting, bookkeeping, finance, audit, taxation and more on a full-time basis. Our personalized approach, innovative matching technology and global network with local market expertise help you find the legal opportunities that match your skills and priorities — fast. By working with us, you have access to challenging opportunities, competitive compensation and benefits, and training to enhance your skill sets.

From philanthropy to environmental stewardship to employee programs, Robert Half is proud to have an active role in the communities in which we live and work. Our company has appeared on FORTUNE’s “Most Admired Companies” list every year since 1998.

Download our mobile app to take your job search on the go!

Contact your local office at 888.490.5461 or visit www.roberthalf.com/jobs/finance to apply for this job now or find out more about other job opportunities.

All applicants applying for U.S. job openings must be authorized to work in the United States. All applicants applying for Canadian job openings must be authorized to work in Canada.

© 2020 Robert Half Finance & Accounting. An Equal Opportunity Employer M/F/Disability/Veterans.

By clicking 'Apply Now' you are agreeing to Robert Half Terms of Use.

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