About this role
The Credit Analyst II is responsible for underwriting and monitoring credit for financial institutions, supporting portfolio managers, and drafting documentation for credit reviews. The role emphasizes financial modeling, risk analysis, and covenant management.
Key Responsibilities
- Partner with Portfolio Managers in credit and underwriting
- Use critical thinking to identify and draft documentation
- Input indicative credit information into Banking Systems
- Prepare risk-rating scorecard and tickler analysis
- Monitor covenants and provide action recommendations
Technical Overview
Requires proficiency in financial modeling, credit underwriting, and internal banking systems; includes PD model usage and covenant analysis.
Ideal Candidate
The ideal candidate is a mid-level Credit Analyst II with 2+ years of commercial banking experience, strong financial modeling and risk analysis capabilities, and the ability to draft and monitor credit covenants.
Must-Have Skills
Bachelor's degree in Business (e.g. Business AdministrationFinanceor Accounting)2+ years of Commercial Banking experienceSound Financial and risk analysis understandingExtensive Knowledge of banking products and servicesKnowledge of corporate business structure and legal documentsGeneral knowledge of U.S. government and regulationProficiency in internal banking applicationsStrong verbal and written communication skills
Nice-to-Have Skills
Knowledge of local or regional market preferredKnowledge of banking products and servicesExperience with credit policies and guidelines
Tools & Platforms
Banking applicationsRADARSpreads analysis tools
Required Skills
Bachelor's degree in Business (e.g. Business AdministrationFinanceor Accounting)2+ years of Commercial Banking experienceFinancial modelingRisk analysisUnderwritingProbability of Default modelCovenant analysisCovenant monitoringSpreads analysisPortfolio reviewsInternal banking applicationsStrong communication
Hard Skills
Credit underwritingFinancial modelingRisk analysisUnderwriting processProbability of Default modelCovenant analysisCovenant monitoringSpreads analysisPortfolio reviewsAnalytical writingInternal banking applications
Soft Skills
Strong verbal and written communicationProblem solvingAnalytical skillsTeam collaborationAttention to detail
Keywords for Your Resume
credit analyst iicredit underwritingrisk analysisfinancial modelingprobability of defaultpd modelcovenantscovenant monitoringspreads analysisunderwritingportfolio reviewsbanking applicationsinternal banking applicationscommunicationportfolio management
Deal Breakers
Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting), 2+ years of Commercial Banking experience, Strong communication and analytical skills
Get matched to jobs like this
Luna finds roles that fit your skills and career goals — no endless scrolling required.
Create a Free Profile