Commercial Credit Analyst (Engineering & Construction)
Core
Analyze new credit requests and monitor existing loan portfolios to assess creditworthiness, identify risks, and support underwriting decisions for commercial clients.
Role type
Commercial Credit Analyst
Builds
Credit analyses, risk ratings, and financial models for commercial transactions
Domain
Banking / Commercial Finance
Required skills
Financial statement analysis, credit risk assessment, covenant monitoring, financial modeling, scenario analysis, regulatory compliance
Preferred skills
Capital IQ, FactSet, Bloomberg
Technologies
Microsoft Office, Capital IQ, FactSet, Bloomberg
Responsibilities
Analyze new credit requests and material modifications from deal screen through approval; manage ongoing credit risk through continuous credit monitoring (CCM) activities including annual reviews and covenant monitoring; review financial statements, tax returns, and due diligence reports; prepare financial/projection models and cash flow schedules; identify suspicious activity and non-compliance with credit policy; partner with relationship managers throughout the credit lifecycle; present analysis during credit committee discussions.
Seniority
Junior, individual contributor