• Responsible for preparing basis and comprehensive credit analyses on commercial loans that facilitates the credit approval process for use by loan officers or committees in the making of lending decisions regarding new, renewal, and extension loans. • Thoroughly analyzes the most complex commercial credits. Analyzing factors such as income growth, margins, trends, quality of management, market shares, industry risks and collateral assessment. Submits credit approval documents to appropriate personnel for decision making. • Analyze & create loan presentations for the commercial loan committee. • Assist lenders in evaluating credit proposals and proper structure. • Grade new and existing loans. • Prepare financial projections and stress tests. • Present financial information to the loan committee and vote on loan presentations. • Prepare audits on commercial loans for documentation and credit exceptions, provide recommendations. Maintain a list of ongoing loan exceptions. • Maintain a list of loans to be funded.