Credit Analyst, Commercial

Overview: C Bank is a growing financial services company focused on creating remarkable experiences for our employees, customers and communities.

We are proud to have enriched the lives of customers and communities in Virginia for 95 years.

It is our employees who play an integral role in shaping who we are as a company and upholding what matters most to us: people and relationships.

We offer our teammates a highly competitive benefits package and the personal service, you would expect from a company that knows your community.

Our employees enjoy (but are not limited to) :Student loan debt repayment programTuition reimbursementDiscounts at local and national businessesCareer and leadership development opportunitiesVacation, sick and medical leavePaid day off to celebrate your birthdayIn-house healthcare servicesPaid volunteer hoursFree parkingMultiple retirement savings optionsFull health care optionsWe are proud to offer these, and so much more, making C Bank a desirable place to work and build a career.

We welcome all qualified candidates who are currently eligible to work full-time in the United States to apply.

However, please note that C Bank is not able to provide visa sponsorship for this position.

Responsibilities: As a Commercial Credit Analyst, you will be responsible for analyzing commercial credit requests in both the Commercial Real Estate and Commercial & Industrial (C) segments, including new money requests and renewals.

Using sound and consistent underwriting and management of commercial loan risk within assigned team (Real Estate or C) while balancing loan, deposit and fee growth, overall client profitability, client retention, and credit quality.

Analyze information used to reach decisions regarding loan approval, loan structure, and client risk rating.

The Commercial Credit Analyst uses thorough and prudent credit analysis as well as sound business judgment to structure Bank debt for meeting client needs.

Underwriting and Risk ManagementPartner with Relationship Manager(s) and provides guidance on relevant questions to be asked of the prospective client, provides guidance on financial information to request from the client to underwrite the prospective transaction, and provides guidance and initial thoughts on structuring, utilizing Commercial Credit Analyst Manager and Underwriter as appropriateAnalyze financial information that is required for prudent loan approval and risk management practicesEvaluate adequacy of loan structure and makes appropriate loan structuring recommendations; such recommendations may include, but are not limited to, loan term, loan amortization, loan pricing, and loan covenantsProvides direction and feedback to Commercial Support Specialist(s) and Relationship Manager(s) on proper workflow procedures and adherence to Bank credit policyCredit AnalysisResearch borrower industry and market conditions (eMentor, Costar, etc.)Analyze borrower and any related entity financial statementsAnalyze guarantor/personal tax returns and financial statementsPerform complete and accurate cash flow and debt service analysis to include business and global cash flow debt service coverage ratiosAnalyze collateral securing loan request, performing an independent analysis of collateral being offered and whether collateral conforms to Bank guidelinesPresent findings to appropriate loan approval body when necessaryBased upon analysis above, Commercial Credit Analyst will develop appropriate questions and provide such questions to the Relationship Manager in an effort to complete full underwritingCredit Request ManagementCreate Credit Request Memo used for credit presentationDevelop Term Sheets for prospective credit requests as appropriate; prepares all Commercial Appraisal Requests, submitting such requests to Credit Administration for appraisal orderingSpecial Projects/Other DutiesAssist and participate in both client and prospect business development call preparation at the direction of the Relationship Manager and Credit Analyst ManagerAssist with special projects and other duties as assigned Qualifications: Knowledge Twoyears of experience in financial services, preferably in a risk management, credit underwriting, or loan production role; previous experience in construction lending is preferred as well as experience in commercial banking.

Strong financial accounting knowledge/background is required.SkillsDemonstrated analytical skills; demonstrated proficiency in the use of standard and specialized computer hardware and software packages such as Microsoft Office; demonstrated strong oral and written communication skills.AbilitiesRead and understand a variety of reports, spreadsheets, and forms; effectively communicate information clearly through all media channels; interact effectively with clients and Bank employees at all levels; handle several tasks simultaneously and to work under time limits; must be able to effectively present findings to varied audiences.EducationBachelors degree in Accounting, Finance, or Economics is required; MBA is a plus.TravelRequired 10% of the time from Richmond to our Operations Center located in Toano,VA.Proof of COVID-19 vaccination status is required for new employees.

If you need an accommodation from this standard due to a disability or sincerely held religious belief, practice or observance, C will individually evaluate your request.

Please advise us if you will be unable to provide proof of vaccination at the time you are requested to submit your application.