Function: Responsible for evaluating loan requests for appropriate structure and acceptable use of loan funds; providing an independent analysis of credit quality for the most complex loan relationships at the bank to determine borrower’s financial condition and ability to repay; concentrating on commercial and industrial, commercial real estate, complex participations and specialized lending and industries; reviewing credit facility requests to determine compliance with Bank policies and procedures and ensuring that proposed transactions comply with government regulation; preparing highly accurate credit approval documents, in accordance with the Credit Department procedures, which outline the material strengths and weakness of the proposed transaction(s); assigning appropriate risk ratings to borrowers or specific loans; complete credit analysis on above average complexity.

ESSENTIAL DUTIES AND RESPONSIBILITIES 

• Determines whether information submitted for underwriting meets bank policy and procedures as well as regulatory requirements for commercial credit applications.
• Research and accurately interprets commercial loan documentation, agreements, leases, contracts, and other technical documentation of a legal nature. Identifies the necessary documentation to complete a loan documentation file for all commercial products offered and to perfect all types of collateral.
• Reviews loan terms and conditions, and transaction sources and uses to determine appropriateness of loan structure and reasonableness of loan purpose. Identifies improper structure and makes recommendations to Relationship Managers and/or credit approval authorities for improving loan structure.
• Conducts background checks and credit bureau inquiries via third party vendors to prevent fraud and assess the overall character of credit applicants.
• Expert in the analysis of higher-risk and/or specialized industries common in commercial lending transactions, including, but not limited to automobile dealers, land acquisition and development, energy companies, construction contractors, healthcare providers, government contractors and municipalities.
• Utilizes advanced financial and quantitative analyses techniques to evaluate financial and related information to gauge borrower’s overall ability to repay debt as well as to assess financial performance relative to peer companies, industry benchmarks or other standards of performance.
• Recommend appropriate financial covenant structures for commercial loan transactions. Designs financial covenant definitions to be included in the commercial loan agreement.
• Prepares the entire underwriting document utilized by executive management to approve loans for the highest credit risk exposures. Ensure that documents are accurate with an elevated level of detail. Ability to thoroughly document the approaches taken and to defend all assumptions utilized in the credit analysis. Identifies any exceptions to loan policies. Presents and defends loan presentation recommendations at committee meetings.
• Assigns appropriate risk ratings to proposed loan transactions, including regulatory non-Pass ratings, which will directly influence the ALLL provision and bank earnings. Defends assigned risk ratings.
• Accompany relationship managers and participate in all types of customer calls. Provides support in identifying the appropriate information needed from customers for new loan requests.
• Ensure compliance with the Commercial Credit Policy by verifying adherence and documenting any exceptions.
• Provides guidance and oversight to Credit Analyst I and II employees. May conduct training on an “as needed” basis. Will be involved with the development of Credit Department procedures and methodologies.
• Responsible for managing a credit team in the absence of Senior Credit Officer
• Assumes additional duties as requested, including special projects.

Client Service

• Ability to interact (in person, phone, and electronic communication) with the public and internal personnel well to deal effectively with their questions or problems.

• Knows the Bank’s products and services thoroughly and seeks out opportunities to explain, promote, or sell products/services. 
• Continuously demonstrates a helpful, friendly attitude and is committed to providing excellent client service. 

Security

• Maintains a neat and orderly work area and ensures that all negotiable and confidential records (physical and digital) are always properly secured.
• Understands role in case of disaster or robbery, whether victim or bystander, and knows proper post-robbery procedures.
• Professional appearance that evokes the client’strust.
• Adheres to all bank policies and procedures and to internal controls and system access restrictions.
• Discretion and dedication to protecting the financial privacy of clients, business partners, and the Bank.

Required Skills and Qualifications 

• Strong analytical and critical thinking skills, with expertise in financial statement analysis and risk assessment
• Proficiency in financial analysis software and tools, as well as Microsoft Office Suite, particularly Excel.
• Excellent written and verbal communication skills to present complex financial information clearly and concisely.
• Meticulous attention to detail and elevated level of accuracy in analyzing financial data.
• Knowledge of credit industry regulations and compliance requirements
• Strong work ethics, ability to work independently and as part of a team, adaptability, and the ability to manage multiple priorities in a fast-paced environment.
• Have experience collaborating with clients and can manage challenging situations with professionalism and efficiency.

• Must possess a knowledgeable background of the bank’s commercial lending procedures and policies.
• Ability to adhere to ’s Core Values: Integrity, Teamwork, Growth, Client Commitment, Community Focus

Education and/or Experience 

• Bachelor’s degree in accounting, Finance, Real Estate, or a related field is required.

• 6+ years specialized experience as a Credit Analyst. Previous experience involved training, mentoring, or serving in a supervisory capacity is preferred.

SMOKE-FREE WORKPLACE

Potomac Bank is a 100% smoke-free company.

PHYSICAL DEMANDS 

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is required to stand; use hands to finger, handle, or feel; reach with hands and arms; and talk or hear. The employee may regularly lift and/or move up to ten pounds; frequently lift and/or move up to twenty-five pounds; and occasionally lift and/or move up to fifty pounds. 

This job description is not designed to cover or contain a comprehensive listing of all duties/responsibilities required of position. Duties/responsibilities may change or be assigned at any time with or without notice.

Potomac Bank is an Equal Opportunity/Affirmative Action Employer

Potomac Bank supports a workforce of diversity, equity, inclusion, and accessibility.