Commercial Credit Analyst II - Savannah, GA (On-site)

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***This role will be onsite at our Savannah, GA headquarters***

GENERAL FUNCTION:

The Credit Analyst II is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues as needed. In addition, a successful Credit Analyst II will be able to draft documents and prepare for credit reviews with limited support from the Portfolio Managers. The Credit Analyst II is knowledgeable on financial and risk analysis and demonstrates proficiency in financial modeling.

The Credit Analyst II is expected to build proficiency in underwriting, developing the ability to complete the underwriting process from beginning to end with limited oversight. Additionally, the Credit Analyst II will attend and supportPortfolioReviewsas needed.

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensuresthatactions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Partner with Portfolio Managers in credit and underwriting, performing analytical tasks as needed
• Use critical thinking to identify and draft documentation
• Responsible for regularly completing indicative credit information into Banking Systems with little to no errors
• Responsible for preparing risk-rating scorecard and tickler event analysis and determining actions based on results working in collaboration with PM's
• Responsible for developing risk models and advising PMs of unforeseen obstacles that may impede meeting client expectations
• Identify and determine monitoring analysis activities required
• Verify covenants and define updates needed on ticklers
• Monitor covenant completion and track past due or out of compliance covenants and recommend appropriate course of action
• Responsible for assessing covenant compliance reporting and identifying issues
• Review covenant compliance certificates to understand performance and determine actions
• Update financial covenants and calculations as needed
• Run Probability of Default (PD) model with oversight
• Responsible for understanding and evaluating completed spreads to determine necessary edits working in collaboration with the CCU team
• Responsible for identifying and recommending preliminary portfolio management actions using Credit Service reporting and RADAR with some oversight
• Prepares ALSR reports with oversight
• Responsible …