Credit Analyst
Netrolynx AI · United States
- Hybrid
- Full-time
- $95,000 / year
- United States
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Job highlights
- Underwrite commercial real estate and industrial loans.
- Analyze financial statements and collateral documentation.
- Assess property performance and economic viability.
- Ensure loan compliance with bank policies.
- Contribute to bank's risk management strategy.
About the role
About The Company
Investar Bank National Association is a reputable financial institution committed to providing comprehensive banking services tailored to meet the diverse needs of its clients. With a strong focus on community engagement and personalized service, Investar Bank has established itself as a trusted partner in financial growth and stability. The bank prides itself on its integrity, professionalism, and dedication to fostering long-term relationships with its customers. Leveraging innovative banking solutions and a customer-centric approach, Investar Bank continues to expand its footprint and enhance its service offerings to support individuals, small businesses, and large enterprises alike.About The Role
The Commercial Loan Underwriter plays a critical role within Investar Bank’s lending team, responsible for evaluating and assessing loan requests related to commercial real estate and industrial transactions. This position involves conducting thorough financial analysis, reviewing collateral documentation, and making informed recommendations regarding loan approvals or declines. The ideal candidate will possess a keen eye for detail, excellent analytical skills, and the ability to operate effectively in a fast-paced environment. As a key contributor to the bank’s risk management and credit quality assurance, the underwriter ensures that all loan requests align with the bank’s policies, regulatory requirements, and strategic objectives.Qualifications
- Bachelor’s degree in Finance, Economics, Business Administration, or a related field; equivalent experience may be considered.
- Minimum of 3 years of experience in commercial loan underwriting, with a proven track record of evaluating complex financial transactions.
- Strong knowledge of financial statements, tax returns, and cash flow analysis.
- Experience with reviewing collateral documentation, including appraisals, environmental reports, and title reports.
- Proficiency in MS Office applications, particularly Word, Excel, and Outlook.
- Excellent communication skills, both written and verbal.
- Ability to work independently, prioritize tasks, and meet deadlines under pressure.
- Knowledge of banking regulations, credit policies, and risk management practices.
Responsibilities
The Commercial Loan Underwriter will be responsible for a variety of duties to support the bank’s lending operations, including but not limited to:- Prescreen and underwrite loan requests related to commercial real estate and industrial transactions, ensuring thorough analysis of financial statements, tax returns, and other relevant financial data.
- Recommend loan approval, structuring, or decline based on comprehensive financial and collateral evaluations.
- Review borrower’s financial statements, lease agreements, rent rolls, and operating statements for multi-family and commercial properties.
- Compare property performance metrics to market comparables and develop pro-forma cash flow statements to support lending decisions.
- Assess collateral quality by reviewing title reports, appraisals, environmental assessments, and physical condition reports.
- Evaluate the location, physical condition, economic viability, and management quality of collateral properties.
- Analyze receivables, inventory reports, equipment valuations, and other documentation critical to industrial and commercial loan requests.
- Monitor ongoing covenant compliance, borrowing bases, and asset-based line of credit draws to ensure continued loan viability.
- Review organizational documents, credit reports, and other pertinent information to support credit analysis.
- Develop comprehensive credit workbooks, including household summaries, transaction explanations, cash flow analyses, and credit recommendations.
- Conduct periodic reviews of existing loans and relationships to ensure compliance with bank policies and risk management standards.
- Assist loan officers in collecting updated financial documentation and supporting materials for new and existing loans.
- Ensure all work complies with applicable laws, regulations, policies, and guidelines.
- Perform additional duties as assigned to support the lending team and organizational objectives.
Benefits
Investar Bank offers a competitive benefits package designed to support the well-being and professional growth of its employees. Benefits include health insurance options, dental and vision coverage, retirement plans, paid time off, and opportunities for professional development. The bank fosters a collaborative and inclusive work environment, encouraging employees to develop their skills and advance their careers. Additionally, employees have access to various training programs, wellness initiatives, and employee recognition programs that promote a positive workplace culture.Equal Opportunity Employer
Investar Bank is an equal opportunity employer committed to creating a diverse and inclusive workplace. We do not discriminate based on race, color, religion, sex, national origin, age, disability, veteran status, or any other protected class. We believe in providing equal employment opportunities to all qualified individuals and fostering a work environment where everyone can thrive and contribute to our success.Key skills/competency
Commercial Loan Underwriting, Financial Analysis, Risk Management, Credit Analysis, Collateral Evaluation, Financial Statements, Regulatory Compliance, Loan Approval, Real Estate Transactions, Industrial TransactionsSkills & topics
- Commercial Loan Underwriter
- Credit Analysis
- Financial Analysis
- Risk Management
- Underwriting
- Commercial Real Estate
- Industrial Transactions
- Loan Approval
- Finance
- Banking
How to get hired
- Tailor your resume: Highlight commercial loan underwriting experience and financial analysis skills relevant to Investar Bank.
- Showcase analytical skills: Emphasize your ability to evaluate financial statements, collateral, and risk.
- Demonstrate regulatory knowledge: Mention your understanding of banking regulations and credit policies.
- Prepare for interviews: Be ready to discuss your experience with complex financial transactions and decision-making processes.
Technical preparation
Master financial statement analysis techniques.,Practice cash flow modeling and projections.,Review appraisal and title report standards.,Study banking regulations and credit policies.
Behavioral questions
Describe a complex loan you underwrote.,How do you handle competing priorities?,Tell me about a time you identified risk.,How do you ensure regulatory compliance?
Frequently asked questions
- What are the key responsibilities for a Commercial Loan Underwriter at Investar Bank?
- As a Commercial Loan Underwriter at Investar Bank, you will be responsible for prescreening and underwriting commercial real estate and industrial loan requests. This includes conducting thorough financial analysis of borrower statements, evaluating collateral, assessing property viability, and making recommendations for loan approval or decline, all while ensuring compliance with bank policies and regulations.
- What qualifications are essential for the Commercial Loan Underwriter role at Investar Bank?
- Investar Bank seeks candidates with a Bachelor's degree in Finance, Economics, or a related field, or equivalent experience. Essential qualifications include at least 3 years of commercial loan underwriting experience, strong knowledge of financial statements and cash flow analysis, experience with collateral documentation review, proficiency in MS Office, and excellent communication skills.
- How does Investar Bank support professional development for its Commercial Loan Underwriters?
- Investar Bank supports professional development through competitive benefits, including opportunities for training programs and career advancement. They foster a collaborative environment that encourages employees to develop their skills and grow within the company, alongside wellness initiatives and recognition programs.
- What is the importance of risk management in the Commercial Loan Underwriter role at Investar Bank?
- Risk management is critical as the Commercial Loan Underwriter ensures that all loan requests align with Investar Bank's policies, regulatory requirements, and strategic objectives. This involves meticulous financial and collateral analysis to mitigate potential risks and maintain the bank's credit quality and financial stability.
- What kind of financial transactions will a Commercial Loan Underwriter at Investar Bank typically evaluate?
- A Commercial Loan Underwriter at Investar Bank will typically evaluate loan requests related to commercial real estate and industrial transactions. This includes analyzing financial statements, lease agreements, rent rolls, operating statements for multi-family and commercial properties, and other documentation critical for industrial and commercial loan requests.