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.