Credit Analyst

Employment Type

: Full-Time

Industry

: Miscellaneous



Introduction A Credit Analyst will Work with Commercial Relationship Managers to provide and assist with an underwriting analysis and loan structure that accurately determines the credit worthiness of commercial credit customers and identifies and mitigates key risks in the Byron Center office in the Southern Grand Rapids area market customers. Overview A Credit Analyst will Work with Commercial Relationship Managers to provide and assist with an underwriting analysis and loan structure that accurately determines the credit worthiness of commercial credit customers and identifies and mitigates key risks in the Byron Center office in the Southern Grand Rapids area market customers. Responsibilities * Prepare underwriting analysis for new loans, renewals and modifications, includes a detailed analysis of financial performance, financial condition, and identification of key risks and mitigating factors. * Prepare financial projections and stress tests. * Prior to completing a credit write-up, ask the questions that have not been asked and seek out information not provided in order to complete a thorough credit write up. * Write an objective narrative on the credit worthiness of the loan proposal. * Assist the commercial relationship managers with loan structure, including covenant package, reporting requirements, advance rates and pricing. * Proactively communicate timely updates and deliver final loan presentations within the established service standard timeframe. * Assist commercial relationship managers on customer calls and assist with tracking financial reporting and monitoring requirements. * Assist the commercial relationship managers with credit approval presentations. * Assist commercial relationship managers on prospect calls and loan closings. * Participate in developmental events and programs sponsored by the Risk Management * Association (RMA), American Bankers Association (ABA), or other similar organizations, as well as the Bank’s internal training program. * Take a dynamic approach to the job by initiating actions and making decisions. Requirements * Bachelor's degree in Accounting and/or Finance required - Bachelor’s degree in Economics may also be considered, based on Accounting and Finance courses taken. * 1 - 3 Years’ Experience of commercial credit analyst/underwriting experience preferred * Completion of formal credit training with demonstrated knowledge preferred * Working knowledge of and compliance with bank policies, procedures and regulations * Must have proficient verbal and written communication skills. * Excellent organization skills and accuracy. * Excellent skills in using Microsoft Excel and Word * Attention to Detail * Works effectively in a team * Analytical Skills Previous experience with Commercial Real Estate preferred but not required TCF OVERVIEW TCF Bank is a premier Midwest bank offering consumer and commercial banking, trust and wealth management, and specialty leasing and lending products and services to consumers, small businesses and commercial clients. We are proud to be an equal employment opportunity employer. Our team members will join other professionals that share the philosophy of making a positive impact.  We are committed to building better communities by improving the quality of life in the communities we serve. With TCF Bank, you will be part of a fast-paced, community-minded organization while enjoying excellent benefits and top career opportunities. TCF National Bank and its affiliated companies (collectively TCF) is an equal employment opportunity employer. TCF’s policy is not to discriminate against any applicant or employee because of race, color, religion, sex, pregnancy (including childbirth and related medical conditions), sexual orientation, gender identity, national origin, age, marital or familial status, genetic information, disability status, protected veteran or military status or any other characteristic protected by applicable law.  TCF also prohibits harassment of applicants or employees based on any of these protected categories. TCF’s policy is to take affirmative action to employ and to advance in employment all persons regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, protected veteran status or other characteristic as required by applicable law. TCF provides reasonable accommodations to applicants and employees with disabilities.  If you need an accommodation or assistance in the application process, please contact TCF Human Capital Management at [1-833-HCM-8454 or [HCMSC@tcfbank.com].

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