Credit Ops Analyst I - Credit Card Lending

Credit Ops Analyst I-Commercial Credit Card LendingDo you have a passion providing a best-in-class experience for customers and employees? Our Card Lending Services Team has an excellent opportunity for an individual with proven commercial underwriting abilities.As a Credit Ops Analyst I-Commercial Credit Card Lending within Card Lending Services, you will review and underwrite existing commercial credit requests along with focusing on credit quality and risk assessment. You will work with commercial credit applications along with interfacing and building strong working relationships with internal partners such as Business Bankers, Business Development and Risk Policy is another important component of the role.Job Responsibilities:Perform spreading of business financial statements/tax returns, perform ratio analysis, complete risk assessment and make sound credit decisions and recommendations via written and verbal presentationsExecute and support recommendations when challenged and in negotiating counteroffers, where appropriatePerform underwriting commercial requests for lines of moderate to large size and complexity with limited guidance required from immediate manager.

Proficient in credit/lending transactions and analytical skill sufficient to enable independent judgementPerform investigations, recommend and initiate process improvementsPerform high line review on business card portfolio including CL, J&S and PL accounts.Perform portfolio management responsibilities to include proactive identification of credit trends and weaknesses, completion of periodic and annual credit reviews and initiating collections activity in connection with overall business relationship managementComplete commercial credit analysis to determine credit worthiness and adjusts credit limits accordingly.Required Qualifications, Capabilities and Skills:3 years commercial credit lending experienceComputer skills specific to Microsoft products and proprietary systemsExperience with credit analysis and credit decision makingExperience in supporting recommendations when challenged and in negotiating counteroffers, where appropriateStrong analytical and problem-solving skillsSuccessful completion of a major corporate bank commercial training program (or the equivalent corporate banking/corporate finance or accounting experience)Preferred Qualifications, Capabilities and Skills:Bachelor's degree in a business-related discipline