The Associate Credit Analyst assists in the preparation of credit approval packages and provides analysis  to assess creditworthiness and inform lending decisions. This position ensures that required financial data is timely, complete, and reliable; prepares routine reports; and works closely with team members to provide responsive, exceptional service.

Approval packages include credits ranging from $250,000 up to the $15,000,000 range across a variety of loan types, including commercial lines of credit, commercial real estate acquisition and construction financing, and business acquisition as well as personal lines secured by real estate and brokerage accounts.

Responsibilities include but are not limited to:

• Review documentation such as guarantor and borrower financials (balance sheets, cash flow projections, income statements, etc.), generate spreads, and provide underwriting analysis and approval packages
• Prepare monthly or quarterly reports (such as monthly Federal Home Loan Bank, construction tracking, borrowing base tracking)
• Collaborate to produce a thorough credit package and timely turnaround for the client
• Assist with underwriting, financial modeling, and ad hoc reports or other requests as needed (ordering appraisals, correcting grade codes, preparing concentration spreadsheets)

The ideal candidate will possess the following:

• Bachelor’s Degree with substantial coursework in Accounting or Finance
• Exceptional attention to detail and concern with the accuracy and quality of work product
• Experience interacting with clients and internal team members
• Excellent communication skills; comfortable assisting in presentations
• Proficient with MS Office, Excel in particular
• Credit training such as RMA and Moody’s coursework is a plus
• Banking experience helpful
• Experience with any of the following would be a plus: Credit Leader, Jack Henry (Experience – Silverlake), and Synergy
• Ability to balance multiple priorities and coordinate efforts with internal team members

CommerceOne Bank is an EOE/AA Employer and does not tolerate discrimination or harassment of any kind.