Corporate Banking Credit Analyst I
Company: Citizens
Location: Southfield
Posted on: May 6, 2022
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Job Description:
Description
The Credit Analyst 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.
A Day in the Life of a Corporate Banking Credit Analyst
Conduct written summaries of related industry and market
environments, preliminary customer/prospect analysis including
Sponsor analysis, and Borrower's operating history and repayment
capacity
Identify situations that may require policy exceptions and make
recommendations that mitigate credit risks or remedy possible
exceptions
Communicate internally as well as with customers directly on
financial analysis or account management issues
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
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
What we have to offer:
Formal training, strategies, and tools to support personal growth
and the development of strong team relationships
Performance-based career growth opportunities and the opportunity
to become a future leader in the Commercial Credit space
Collaborative workforce committed to supporting ideas and feedback
and accelerating potential
Team atmosphere of diverse, inclusive professionals committed to
making an impact as an organization
Opportunities to volunteer and give back to our local
communities
Qualifications
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
Bachelor's degree is required
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
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
Hours & Work Schedule
Hours per Week: 40
Work Schedule: Monday - Friday
Why Work with Us
At Citizens, you'll find a customer-centric culture built around
helping our customers and giving back to our local communities.
When you join our team, you are part of a supportive and
collaborative workforce, with access to training and tools to
accelerate your potential and maximize your career growth!
Benefits
We offer competitive pay, comprehensive medical, dental and vision
coverage, retirement benefits, maternity/paternity leave, flexible
work arrangements, education reimbursement, wellness programs and
more!
Why Work for UsAt Citizens, you'll find a customer-centric culture
built around helping our customers and giving back to our local
communities. When you join our team, you are part of a supportive
and collaborative workforce, with access to training and tools to
accelerate your potential and maximize your career growth.Equal
Employment OpportunityCitizens, its parent, subsidiaries, and
related companies provide equal employment and advancement
opportunities to all colleagues and applicants for employment
without regard to age, ancestry, color, citizenship, physical or
mental disability or perceived disability, ethnicity, gender,
gender identity or expression, genetic information, genetic
characteristic, marital or domestic partner status, victim of
domestic violence, family status/parenthood, medical condition,
military or veteran status, national origin,
pregnancy/childbirth/lactation, colleague's or a dependent's
reproductive health decision making, race, religion, sex, sexual
orientation, or any other category protected by federal, state
and/or local laws.Equal Employment and Opportunity
Employer/Disabled/VeteranCitizens is a brand name of Citizens Bank,
N.A. and each of its respective affiliates.
Keywords: Citizens, Southfield , Corporate Banking Credit Analyst I, Accounting, Auditing , Southfield, Michigan
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