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Commercial Banking & Credit Analyst

A Commercial Banking and Credit Analyst is a finance professional who specializes in assessing the credit worthiness of commercial borrowers and analyzing loan applications for commercial banking purposes and we at CapitalEssayWriting.com offer research writing services and tutoring in this field. Their role involves evaluating financial statements, conducting risk assessments, and making credit recommendations to support lending decisions.

Here are some key responsibilities of a Commercial Banking and Credit Analyst:

Credit analysis is the process of carefully examining a business borrower’s financial records, cash flows, and credit histories in order to assess their creditworthiness. This entails evaluating financial parameters, market movements, and the borrower’s capacity to pay back debt.

Identifying and assessing the credit risks connected to commercial loan applications. This entails evaluating elements like borrower history, industry hazards, market conditions, collateral value, and repayment capabilities.

Analyzing financial statements, such as income statements, balance sheets, and cash flow statements, allows one to assess the borrower’s performance and overall financial health. Liquidity, profitability, leverage, and other important financial metrics are all assessed in this process.

Loan Structuring: Collaborating with relationship managers and borrowers to structure appropriate loan terms and conditions based on the borrower’s needs and risk profile. This involves determining loan amounts, interest rates, repayment schedules, and collateral requirements.

To ensure compliance with lending policies, rules, and risk management guidelines, lenders must conduct due diligence on potential borrowers, which includes evaluating legal documents, contracts, and other pertinent information.

Recommendations and credit reports: creating credit reports and recommending credit depending on analyses completed. These reports often include information on the borrower’s creditworthiness, recognized hazards, and suggestions for whether to approve, modify, or reject the loan..

Portfolio Management: Monitoring the credit quality and performance of existing commercial loan portfolios. This includes conducting periodic reviews of borrower financials, assessing loan covenant compliance, and identifying potential credit issues or deteriorating trends.

Relationship Management: Collaborating with relationship managers, borrowers, and internal stakeholders to gather necessary information, discuss credit proposals, and provide insights and recommendations regarding credit decisions.

Compliance and Regulatory Requirements: Ensuring adherence to applicable regulatory requirements, lending policies, and internal credit risk management guidelines. Staying updated on relevant laws, regulations, and industry best practices.

To excel as a Commercial Banking and Credit Analyst, you should have a solid understanding of financial analysis, credit risk assessment, and lending principles. Strong analytical skills, attention to detail, and the ability to interpret and communicate complex financial information are essential.

Proficiency in financial modeling, spreadsheet software (e.g., Excel), and credit analysis tools can enhance your effectiveness in this role. Additionally, familiarity with commercial lending regulations, accounting principles (e.g., GAAP), and industry-specific knowledge can be valuable. Good communication skills are crucial for effectively conveying credit analysis findings, discussing loan terms with borrowers, and collaborating with internal stakeholders. The ability to work under pressure, manage multiple priorities, and make well-informed decisions within tight timelines is important in the fast-paced environment of commercial banking and credit analysis.

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2021 WFAA investigation, “Banking Below 30” Title: “Banking below 30

Watch the 2021 WFAA investigation, “Banking Below 30” Title: “Banking below 30: Banks own many of Dallas’ high-crime apartments and they’re rewarded for it”Duration: 43:25 YouTube URL: http://www.youtube.com/watch?v=JcZmgJ2tBrIPrompt Questions: 

  1. Briefly explain what did the WFAA investigation reveal, and was the information surprising? 
  2. Research and explain the impact of historic redlining policies. What is the impact of these policies on communities over generations?
    1. There are a lot of peer-reviewed articles on this topic.
    2. You are required to cite at least one peer-reviewed source using the Dallas College database; however everyone is encouraged to use more. 
  3. Explain what individuals and different levels of governments can do to make sure housing, banking, education or other areas of society are fairer for everyone?

Guidelines:

  • Submission must be at least 2 pages long, * Times New Roman or Arial, 12-point font, double-spaced, with one-inch margins all around. (Page count does not include title or works cited pages) 
  • At least one peer-reviewed article that is published no later than 2011and is at least five pages in length.
  • Peer-reviewed article can ONLY be searched for on the Dallas College Library Database – Academic Search Complete.
  • Do not search for Peer-reviewed articles on Google or anywhere else online. 
  • Do not use first person tone. Stick to thrid person.
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Social economic impact of (M-pesa) mobile banking in small scale Retail shops in Down Town Nairobi Kenya

Research Report.
Topic: Social economic impact of (M-pesa) mobile banking in small scale Retail shops in Down Town Nairobi Kenya.
Aim. To evaluate different opportunities that came as a result of Adoption of mobile money banking in small scale Retail businesses in kenyan rural area.
Format of Report
? Table of Contents
? Literature Review
? References APA 7
? 6 Annotated bibliography with explanations why its important or how its relevant to this Report. ( each Annotated bibliography 200 words)
Total words (3000).

ASSESSMENT BRIEF
Subject Code and Title MGT605 Business Capstone Project
Assessment Assignment 2. Part A: Final Project Report
Individual/Group Individual – Group
Length 3000 words
Subject Learning Outcomes SLO a. Develop and articulate a theoretical or practical perspective on management issues through a substantial applied project
SLO b. Demonstrate collaborative leadership and ownership in the preparation of a significant original body of practical or theoretical work
SLO c. Use specialist research skills to analyse a complex management problem and then synthesise the research, communicating it effectively to both specialist and lay audiences
SLO d. Synthesise concepts from a broad range of previous subjects studied (e.g. finance, marketing, operations), simplifying into an holistic big picture
Submission By 11:55pm AEST/AEDT Sunday of Week 10
Weighting 40%
Total Marks 40 marks
Context:
In Assessment 1, you proposed to tackle a problem or to explore an opportunity of your choice. In Assessment 2A you must produce a final report of the outcomes of the work you have done as per the proposal you made in Assessment 1.
Instructions:
Based on the proposal you made in Assessment 1, you are required to produce a final report. This is the culmination of your study. It contains the outcome of your study and a summary of how (method) you did it.
This final report should be in the appropriate format required for your context and workplace. If your report is a Marketing Plan, a Business Report or New Venture Proposal it should be in the appropriate format and if your report is an academic paper then you will use the commonly accepted format. It should be presented as part of an overall package consisting of a form of presentation and supporting documentation. The supporting documentation may follow a report format, or it may be a set of supporting appendices that are referred to in your presentation
MGT605 Assessment 2A Brief Page 1 of 7
submission. The two will be reviewed together and need to relate to each other and fit together.
The submission must include a reference list with a minimum of 6 academic sources presented in APA format.
You must make sure that all factual statements are referenced. You may have up to 20 data source references (newspaper article, trade publications, websites, company documents, government reports, online databases, social media, etc.).
Your reference list must be in the format of an Annotated Bibliography detailing why and where you have used each reference. The APA 7th Edition referencing guide can be located in the Academic Writing Guide at http://library.think.edu.au/ld.php?content_id=1882254
Unless it is a seminal author, use recent literature sources preferably less than 10 years old.
Appendices – if necessary, include appendices for additional information. This is where you provide supporting material which is unsuitable for inclusion in the body of the report, but still has some value to contribute to the report. Note that the reader has no obligation to read the appendices. Therefore, do not place here any information needed to make your point. Ensure that the body of the report is able to make the point you want without referring to the appendices. Appendices do not contribute to the word count of the report.
Diagrams, tables and figures – you may use diagrams, tables and figures in the body of your report. However, keep in mind the academic writing rules for using them. While diagrams, tables and figures do not contribute to the word count, they should not be used to extend the word count. You should not use diagrams, tables and figures as a means of adding new information or replacing narrative paragraphs, but as a way of concisely presenting and summarising information. Information presented in diagrams, tables and figures still needs to be referred to and commented on in the narrative paragraphs. Also remember to use captions to identify your diagrams, tables and figures.
If the diagrams, tables and figures are not your own work, the sources need to be acknowledged.
Submission Instructions:
Use Assessment 2A link in Blackboard to submit your capstone project proposal. Give your file a name of this format – Your name_Subject and code_Assessment number.
The submission must be in Word document format and contain a signed cover sheet

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banking structure of the firm in terms of current and past investments

Research Paper: Part I

Do it on Microsoft.

In Unit VII of this course, you will submit a final paper on a publicly traded company of your choice. You will complete this paper over several units in this course. For this assignment, you will be completing the first part of this project. It would be a good idea to read all of the milestones of this assignment in the units that follow to ensure that the company you choose has sufficient information to complete the project. For this first assignment, follow the instructions below.

Select the company you will be researching for your paper. Compose a brief paper that gives an overview of your company. Your summary should include the following: the type of firm, the banking structure of the firm in terms of current and past investments, what industry it is in, and any relevant history or background information. Make sure to also incorporate how the firm currently structures its capital by identifying banking relationships.

Your paper must be at least two pages in length, and you must use at least two academic sources. Adhere to APA Style when creating citations and references for this assignment

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Effectiveness of E-Banking and Customer Satisfaction; A Moderating Role of Personal Traits

Topic: Business Research
Direction: Refer to the attached Journal titled and answer the below questions
Journal Topic: Effectiveness of E-Banking and Customer Satisfaction; A Moderating Role of Personal Traits

  1. State a research report based on the above journal
  2. Summarize on the theoretical framework mentioned in the above journal
  3. Analyze the importance of having statement of problem in research with example from the above journal
  4. Write a literature review based on the above journal with APA reference style and citations (to be very less plagiarism)
  5. In conceptual frame work there is mediating, moderating and intervening variables. Discuss on each variable and identify which variable does the journal has
  6. Imagining yourself as a research prepare 5 questionnaire with likert scale that could be helpful for the analysis
  7. Discuss on the statistical importance and the software mentioned in the journal
  8. Point out the defects in the research
    Note: please highlight each question answers in the journal from where you took it from the journal (each question highlight with different color on the journal). And ppt slides attached also in case you need more information

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