Job Description

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.

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

Compensation for this role ranges from $85,000.00 to $115,000.00 annually, commensurate with your experience and qualifications.

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

John Marshall Bank is an Equal Opportunity Employer. At this time, John Marshall Bank will not sponsor a new applicant for employment authorization for this position.

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