The Commercial Financial Analyst will manage a commercial client portfolio within the Dealership Finance – Auto Industry segment. The portfolio will consist of 10–15 clients with total commercial credit exposure exceeding $500 million.

In this role, the Commercial Financial Analyst analyzes financial and credit information to support lending decisions for new and existing commercial banking relationships. The analyst provides credit recommendations in alignment with bank policies and risk management standards while maintaining a strong client service environment.

**Key Responsibilities:**

+ **Financial Analysis**
+ Perform Income Statement, Balance Sheet, and Cash Flow analysis, including cash flow/debt service coverage and operating leverage analysis.
+ Spread financials and support underwriting processes with detailed financial insights.

+ **Risk & Return Modeling**
+ Utilize the bank’s proprietary risk model to assess borrower default a...