Credit Analyst

Description

John Marshall Bank is looking for an experienced Credit Analyst to join our Credit Underwriting team in our Reston Headquarters.

In this role you will:

• •Oversee the review of financial, collateral, and other related documentation used to evaluate commercial loan requests to approve or deny applications for credit.
• •Participate in credit approval process; monitors adherence to loan policy, ensures accuracy of risk rating system, ensures effective evaluation and administration of collateral.
• •Be responsible for the completion of financial spreads and analysis; credit approval and memo review for loan presentations in conjunction with Commercial Bankers, all in an independent and objective manner.
• •Maintain a continuing and informative record of data from which lending officers may make fully informed loan decisions.
• •Spread and analyze, historical and projected financial statements, tax returns, and other pertinent financial information to determine overall financial performance, condition, and creditworthiness of Borrower and other obligors.
• •Review credit files for documentation and exceptions.
• •Submit periodic exception reports.
• •Engage in effective and timely communication regarding credit considerations and issues with Credit Administration and Commercial Bankers.
• •In addition to handling the normal flow of transactions, may also be assigned to handle complex transactions.

Requirements

Required:

• •At least 2 years experience in commercial credit analysis, underwriting, and/or a formal credit training program
• •Bachelor’s Degree in accounting or finance or related field from an accredited four-year college or university
• •Sound credit and analytical skills
• •Solid understanding of balance sheets, income, and cash flow statements
• •Proficiency with Microsoft Suite including Word and Excel

Preferred:

• •Ability to learn internal bank systems and additional software applications
• •Advanced knowledge of commercial real estate, commercial and industrial, general business, asset-based, and real estate construction loans within respective economic market areas
• •Strong combination of interpersonal communication skills, analytical and decision-making skills, with the ability to make recommendations and offer solutions

Compensation for this role ranges from $85,000.00 to $115,000.00 annually , commensurate with your experience and qualifications.

At John Marshall Bank, we pride ourselves on being able to attract the best talent in the industry, therefore we offer a comprehensive benefits package which includes:

• •Medical
• •Dental
• •401K Retirement Plan w/ an Employer Match
• •Vision
• •Employee Assistance Program
• •Flexible Spending
• •Transit Reimbursement
• •Long Term Care
• •Paid Time Off
• •Life and Disability Coverage

John Marshall Bank is an Equal Opportunity Employer

At this time, John Marshall Bank will not sponsor a new applicant for employment authorization for this position.