Credit Analyst

About This Role

The Credit Analyst provides analytical support for underwriting and analyzing commercial credit facilities, assisting Portfolio Managers and Relationship Managers in managing customer relationships. This role involves interpreting financial statements and preparing credit approval documentation.

Responsibilities

• Interpret financial statements and provide financial analysis support utilized in underwriting complex C&I and commercial real estate loans
• Work proactively to ensure production is prioritized appropriately and completed in a timely manner, including financial statement spreading; completing financial analysis documents; updating and creating new requests, modifications, renewals and annual reviews in the Bank’s commercial loan system; tracking and completing covenant monitoring, completing industry research and developing a strong understanding of the Bank’s commercial loan policy
• Participate in relationship team meetings with management and credit partners to explain information in the analysis when warranted
• Analyze and prepare credit approval documentation in FHB’s commercial loan system, accurately reflecting all loan terms, collateral, covenants, loan grade inputs, policy exceptions, and calculating credit exposure for a given relationship
• Partner with Portfolio Managers to monitor and manage assigned commercial loan portfolios, including tracking covenants, recording financial statements, and monitoring company performance against expectations, ensuring thoughtful implementation of policies, procedures, and guidelines
• Identify and report material changes or trends in the financial statements of borrowers or guarantors observed in the preparation of credit approval presentations
• Participate in internal credit conversations with PM’s, RM’s Credit Officers and senior management and in external meetings with clients and prospects
• Participate in portfolio management projects
• Demonstrate consistently high level of ownership of portfolio management metrics and team initiatives, flexibility in responding to RM/PM/senior management and client deadlines, high level of detail and follow-through, and independence within the framework of the role in assisting in achieving business goals
• Perform all other duties as assigned

Requirements

• Bachelor’s degree (B.A.), preferably in Accounting, Finance or Business or equivalent in specific work experience
• 1-2 years of experience or equivalent combination of education and experience related to Financial Services, Banking, Credit Analysis, Loan Review or similar background preferred
• Fundamental understanding of general bank operations and the commercial lending process
• Familiarity with the processes used to analyze financial data
• Highly organized and detail oriented