EDUCATION AND/OR EXPERIENCE Bachelor's Degree in Business, Finance, or related field required or 7-9 years of banking experience and/or equivalent combination of education and experience required 1-3 years experience in a similar position required Commercial banking experience preferred PHYSICAL DEMANDS AND WORKING ENVIRONMENT The physical demands and work environment are representative of those that must be met or encountered to successfully perform the essential functions of the job. SUMMARY The Credit Analyst II collaborates with relationship managers in gathering and evaluating commercial credit related information on current and prospective customers by preparing written reports of analysis which include in-depth analysis of financial statements, historical and projection-based cash flow and ratio analysis, suggested credit structure, general industry analysis and identified risks.