C&F Bank

  • Commercial Credit Analyst

    Job Locations US-VA-Toano
    Job ID
    # of Openings
    Posted Date
    4 weeks ago(4 weeks ago)
    Commercial Banking
  • Overview



    Responsible for analyzing commercial credit requests in both the Commercial Real Estate and C&I segments, including new money requests and renewals. Uses sound and consistent underwriting and management of commercial loan risk within assigned team (Real Estate or C&I) while balancing loan, deposit and fee growth, overall client profitability, client retention, and credit quality. Analyzes information used to reach decisions regarding loan approval, loan structure, and client risk rating. The commercial credit analyst utilizes appropriate authority to facilitate timely and marketable response to client and prospect credit requests that meet Bank’s overall credit policies and profit goals; uses thorough and prudent credit analysis and sound business judgment to structure Bank debt for meeting client needs.




    Underwriting and Risk Management
    • Partners with Relationship Manager(s) and provides guidance on relevant questions to be asked of the prospective client, provides guidance on financial information to request from the client to underwrite the prospective transaction, and provides guidance and initial thoughts on structuring, utilizing Commercial Credit Analyst Manager and Senior Loan Underwriter as appropriate.
    • Analyzes financial information that is required for prudent loan approval and risk management practices
    • Evaluates adequacy of loan structure and makes appropriate loan structuring recommendations. Such recommendations may include, but are not limited to, loan term, loan amortization, loan pricing, and loan covenants.
    • Provides direction and feedback to Loan Assistants and Relationship Manager(s) on proper workflow procedures and adherence to Bank credit policy
    Credit Analysis
    • Researches borrower industry and market conditions (eMentor)
    • Analyzes borrower and any related entity financial statements
    • Analyzes guarantor/personal tax returns and financial statements
    • Performs complete and accurate cash flow and debt service analysis to include business and global cash flow debt service coverage ratios
    • Analyzes collateral securing loan request, performing an independent analysis of collateral being offered and whether or not this conforms to Bank guidelines
    • Presents findings to appropriate loan approval bodies when necessary
    • Based upon analysis above, Commercial Credit Analyst will develop appropriate questions and provide such questions to the RM in an effort to complete a full underwriting
    Credit Request Management
    • Creates Credit Request Memo used for credit presentation
    • Develops Term Sheets and Commitment Letters for prospective credit requests as appropriate. Prepares all Commercial Appraisal Requests, submitting such requests to Credit Administration for appraisal ordering
    • Creates PowerPoint slides for credit presentation (when applicable)
    Special Projects/Other Duties
    • Assists and participates in both client and prospect business development call preparation at the direction of the Relationship Manager and Credit Analyst Manager
    • Assists with special projects and other duties as assigned


    • Three or more years in the financial services industry, ideally in a risk management, credit underwriting, or loan
    • Experience in construction lending preferred
    • Experience in commercial banking preferred
    • Demonstrated analytical skills
    • Strong financial accounting knowledge/background
    • Demonstrated proficiency in the use of standard and specialized computer hardware and software packages such as Microsoft Office
    • Demonstrated strong oral and written communication skills
    • Read and understand a variety of reports, spreadsheets, and forms
    • Effectively communicate information clearly through all media channels
    • Interact effectively with clients and Bank associates at all levels
    • Handle several tasks simultaneously and to work under time limits
    • Bachelor’s degree in Finance, Business Administration, Accounting, or Economics
    • MBA is a plus
    Physical demands: Employee may experience the following physical demands for extended periods of time:
    • View computer monitors
    • Keyboarding
    • Sitting
    • Motion of fingers/hands/wrists/elbow
    • Standing/Walking


    Work Environment: Work is performed in an operational office environment.  

    This position is located at our Operations Center in Toano, VA which is a 40 minute commute from Richmond,VA


    Equal Employment Opportunity Statement
    C&F Bank (the Bank) is committed to providing equal employment opportunity to all qualified persons and reaffirms in policy and practice that it shall not discriminate against applicants or employees because of race, color, religion, gender, age (over 40), disability, genetic information, veteran status (disabled veterans, recently separated veterans, active duty wartime or campaign badge veterans, Armed Forces service medal veterans, and Vietnam era veterans), national origin, or any other consideration protected by applicable federal, state, or local law. This applies to all areas of employment, including promotion, transfer, layoff, termination, compensation, benefits, recruitment advertising, recruitment, and selection for training.




    Bachelor's Degree


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