Scope Credit Analyst II

Description RESPONSIBILITIES - Use independent judgment and critical thinking in the compilation of key financial data for the accurate representation of credit risk in loan requests including global cash flow analysis, collateral analysis, industry analysis, management analysis, and overall repayment capacity - Independently complete underwriting in accordance with current regulations, compliance terms, bank policy, and legal requirements - Recommend appropriate risk grade; supporting the grade with risks, mitigants, and strengths - Serve as a valuable resource for credit write-up and tax return analysis - Proactively assist the Commercial Lenders in portfolio management functions including: seeking out and assisting in the annual review process, loan review preparation, and regulatory examinations. May manage said processes and examinations. - Accurately spread financial statements and tax returns and analyze historical performance. Review proformas for reasonableness. - Develop and measure appropriate loan structures and covenants to provide advance warning of potential credit risk and mitigate losses. Prepare pertinent reports, track financial information and receipt thereof. - Review and analyze appraisals, as well as other industry reports, for market, credit, construction, and economic risks - Possess a thorough understanding of loan documents - Participate in customer meetings, prepare customer communication on behalf of the Commercial Lender. Work with customers in obtaining updated financial statements. - Assist Commercial Lenders with presenting loan requests to approvers, Senior Lenders, and Loan Committee as needed. Attend and participate in other meetings. May present credit requests on behalf of Commercial Lenders - Obtain, analyze, and incorporate third-party borrower information (e.g. credit reports, costar, RMA). Research inconsistencies. - Maintain data integrity - Work with the Commercial Lenders on classified assets and reporting thereof - Assist in the training of new analysts as needed - Maintain ownership of all accepted tasks - Take a proactive approach to learning and career development - Soundly apply the bank's credit culture and credit policies; is considered a policy expert - Maintain awareness of and adherence to Bank's compliance requirements and risk management concepts, expectations, policies and procedures and apply them to daily tasks - Deliver a consistent, high level of service within our Serving More standards - Other duties as assigned Equal Opportunity EmployerThis employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor. Park National Corporation is an Equal Opportunity Employer. It is the policy of the Bank to hire well-qualified people. An integral part of this policy is to provide equal employment opportunity for all persons for employment. It is also part of our policy to recruit and administer hiring, working conditions, benefits, privileges of employment, compensation, training, appointments for advancement including promotions and transfers, and terminations of employment for all associates without discrimination because of race, color, religion, citizenship, national origin, sex, age, veteran status, or handicap.