Credit Analyst

Credit Analyst

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

John Marshall Bank is an Equal Opportunity Employer

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
• Dependent Day Care
• Long Term Care
• Paid Time Off
• Life and Disability Coverage

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