The purpose of this mid-level job is to combine accounting, credit and financial analysis (involving analysis of profitability, repayment ability, liquidity, solvency, and leverage) and risk assessment of commercial loans and loan commitments utilizing extensive computer-based risk analytic models in order to maximize the profitability, safety and soundness of the bank’s commercial loan portfolio, and to ensure that loans adhere to established loan policy guidelines and procedures.  This position supports the credit approval process by providing personal and corporate financial spreads, customer summaries of M&I deposit and loan histories, analysis of income tax returns through TaxAnalysis software and other reports that are incorporated into the bank’s detailed loan presentation memoranda that are submitted by commercial relationship managers.  This position makes recommendations regarding loan structuring and pricing decisions.  This position further supports the underwriting process by writing Loan Presentation Memoranda comments for commercial relationship managers, meets with senior credit administrators and senior credit officers and makes recommendations on credit decisions that are to be presented to senior/executive management and formalized senior loan committees for review or approval.  This is a solution and results-oriented position.  This position also is involved in training of new credit analysts and management development associates.

This position may be filled as a Level III - additional qualifications and responsibilities apply.