Corporate Lending Credit Analyst Junior, Full, or Senior Depending on Experience

Summary of the Junior level: This unique role will support the Corporate Banking Officers in providing thorough and accurate financial, company, risk, and industry analysis on borrowers and by servicing credit relationships. The position is responsible for performing independent underwriting analysis on credit requests and analyzing the repayment capacity of new applicants and existing obligors, monitoring borrower compliance with approved terms, performing portfolio management tasks and analysis, and assisting in the administration of credit relationships.  At this level, the incumbent is being introduced to the various methods used to effectively control Ent's potential risk in corporate lending and making recommendations on existing / new applicant decisions.  Summary of the Full level: This unique role will support the Corporate Banking Officers in providing thorough and accurate financial, company, risk, and industry analysis on borrowers and by servicing credit relationships. The position is responsible for performing independent underwriting analysis on credit requests and analyzing the repayment capacity of new applicants and existing obligors, monitoring borrower compliance with approved terms, performing portfolio management tasks and analysis, and assisting in the administration of credit relationships.Summary of the Senior level: This role will support the Corporate Banking Officers in providing thorough and accurate financial, company, risk, and industry analysis on borrowers and by servicing credit relationships. The position is responsible for performing independent underwriting analysis on credit requests and analyzing the repayment capacity of new applicants and existing obligors, monitoring borrower compliance with approved terms, performing portfolio management tasks and analysis, and assisting in the administration of credit relationships.  In addition, it will serve in a mentoring and leadership role for less seasoned credit analysts. Essential Functions at the Junior level:Analysis: Analyze the financial condition of businesses and individuals, evaluate the quality and sufficiency of various sources of repayment, collateral, and the appropriateness of credit structures for new loan and renewal requests. Interpret and analyze applicant's business plan, financial statements, and related materials being mindful of credit union procedures and credit policy. Make recommendations to the Corporate Lending team. Maintains a working knowledge of the bank’s lending policies, procedures, and philosophies toward various types of loans.Risk Monitoring: Monitor existing loan relationships for compliance and changes in risk profiles. Prepare loan presentations with guidance from Corporate Banking Officers (who will provide adequate details of the credit structure, management evaluation and the background of the business and industry), provide assessment and adequacy of deal structure, risk ratings, and creditworthiness, and participate in presentation and/or present loans to the approving authority. Participate in the appraisal and environmental due diligence required within the department. Assists with audits and credit examinations, portfolio and borrower stress testing, risk rating reviews, covenant compliance, portfolio analysis, and other duties, as assigned.Collaboration: Support lending officers with the narrative underwriting of basic credit requests and renewals. Assist lenders and loan administration staff in loan closing activities.Essential Functions at the Full level:Analysis: Analyze the financial condition of businesses and individuals, evaluate the quality and sufficiency of various sources of repayment, collateral, and the appropriateness of credit structures for new loan and renewal requests. Interpret and analyze applicant's business plan, financial statements, and related materials being mindful of credit union procedures and credit policy. Make recommendations to the Corporate Lending team. Maintain a working knowledge of the bank's lending policies, procedures, and philosophies toward various types of loans.Risk Monitoring: Monitor existing loan relationships for compliance and changes in risk profiles. Prepare loan presentations with guidance from Corporate Banking Officers (who will provide adequate details of the credit structure, management evaluation and the background of the business and industry), provide assessment and adequacy of deal structure, risk ratings, and creditworthiness, and participate in presentation and/or present loans to the approving authority. Participate in the appraisal and environmental due diligence required within the department. Assists with audits and credit examinations, portfolio and borrower stress testing, risk rating reviews, covenant compliance, portfolio analysis, and other duties, as assigned.Collaboration: Support lending officers with the narrative underwriting of basic credit requests and renewals. Assist lenders and loan administration staff in loan closing activities.Bank Secrecy Act: Remains cognizant of and adheres to Ent policies and procedures, and regulations pertaining to the Bank Secrecy Act.Essential Functions at the Senior level:Analysis: Analyze the financial condition of businesses and individuals, evaluate the quality and sufficiency of various sources of repayment, collateral, and the appropriateness of credit structures for new loan and renewal requests. Interpret and analyze applicant's business plan, financial statements, and related materials being mindful of credit union procedures and credit policy. Make recommendations to the Corporate Lending team. Maintain a working knowledge of the bank’s lending policies, procedures, and philosophies toward various types of loans.Subject Mater Expert / Staff Development: Mentor and provide guidance to less seasoned credit analysts to ensure standardization of process efficiency, and staff development.Risk Monitoring: Monitor existing loan relationships for compliance and changes in risk profiles. Prepare loan presentations with guidance from Corporate Banking Officers (who will provide adequate details of the credit structure, management evaluation and the background of the business and industry), provide assessment and adequacy of deal structure, risk ratings, and creditworthiness, and participate in presentation and/or present loans to the approving authority. Participate in the appraisal and environmental due diligence required within the department. Assists with audits and credit examinations, portfolio and borrower stress testing, risk rating reviews, covenant compliance, portfolio analysis, and other duties, as assigned.Collaboration: Support lending officers with the narrative underwriting of basic credit requests and renewals. Assist lenders and loan administration staff in loan closing activities.