Credit Analyst II

Analyzes credit data to estimate degree of risk involved in extending credit or lending money to Mortgage Warehouse clients and supports the Credit Analysis Department and Mortgage Warehouse Division in daily activities.

Requirements

• Spread financial statements and perform credit analysis for potential and existing Mortgage Warehouse customers and guarantors on credit relationships of $2,500,000 and greater.
• Reviews loan applications, production reports, investor reports, and related data.
• Prepares written analysis of the client including company background, management, financial analysis and collateral performance for the loan submission package.
• Identifies policy, collateral, missing document exceptions and strengths and weaknesses of the relationship.
• Attends customer calls and site visits of potential / existing customers, as necessary, with the Mortgage Warehouse Relationship Managers.
• Performs ongoing file maintenance to ensure credit information is uploaded to credit file in a timely manner.
• Performs covenant compliance by reviewing and interpreting financial statements, tax returns, and supporting schedules for covenant testing for Mortgage Warehouse borrowers and/or guarantors based on the loan agreement.
• Researches and summarizes industry information for potential and existing customers.
• Runs credit bureaus and background checks for potential and existing customers and guarantors to evaluate for potential credit worthiness and/or fraud.