Job Details

Commercial Banking Analyst

Position is available June 2026. Permanent location is Charleston WV. Commercial Banking Analyst will train up to two months in Alexandria VA at initial hire.

CLASSIFICATION

Non-Exempt

REPORTS TO

Credit Manager

JOB DESCRIPTION

Summary/Objective:

The Commercial Banking Analyst shall perform financial spreading and analysis for commercial, both commercial real estate and commercial & industrial, transactions. This involves reviewing financial statements, tax returns, and evaluating collateral, to determine the financial condition of individuals and businesses. This role is designed to assist underwriters and the bank in the evaluation of the strengths and weaknesses in commercial loan requests in determining if the overall risk in a credit request is acceptable to the Bank.

Essential Functions
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Use critical thinking and financial calculations to conduct thorough analysis of applications for commercial credit.
• Spread financial statement consistent with the organization's guidelines.
• Analyze borrower's balance sheet, income, and cash flow statement and interpret key ratios.
• Complete reviews on all types of commercial property - hotels, retail centers, office buildings, industrial warehouses, etc.
• Evaluate additional credit information for preparation of commercial loan package.
• Visit prospective commercial borrowers and/or collateral properties.
• Review real estate appraisals and environmental reports for relevance and accuracy of findings.
• Provide an analyzed, researched, and documented loan package for review by supervisor, officers, committee, or Board as appropriate.
• Assist with loan scenario questions and be responsible for calculating risk scorecard and recommending risk ratings.
• Maintain department service level and turn-time standards.
• Gain knowledge of and uphold compliance with policies and procedures of the Bank.
• Assist underwriters and team members as requested.
• Additional responsibilities as assigned.

Other Duties

• Complies with all policies and procedures of the Bank.
• Perform other duties as assigned.

Skills/Abilities:

• Have an analytical mindset
• Work both independently and as part of a team
• Distill complex information and analysis into a readable format
• Be an efficient multi-tasker
• Provide outstanding customer service

Education and Experience:

• Bachelor's in finance, accounting, real estate or other related field.
• Proficiency in Microsoft Office - especially both Word and Excel.
• Hands on experience with real estate, accounting, or finance is a plus.

Supervisory Responsibility

This position has no supervisory responsibilities.

Work Environment

This job operates in an office setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. Office environment with job duties conducted via telephone, face to face meetings, and on the computer.

Physical Demands

This position requires manual dexterity, the ability to lift files and opening cabinets. This position requires bending, stooping or standing as necessary.

Travel

Travel may be required for this position.

Equal Employment Opportunity/M/F/disability/protected veteran status

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.