Performs credit analysis and recommends appropriate credit structure on complex credit relationships handled by the commercial loan department in conformance with established policies, procedures and objectives. Performs any functions, within scope of authority and expertise, to provide the highest level of service and responsiveness to customers and co-workers. Prepares analyses and makes appropriate credit structure recommendations on new and/or existing complex credits. Spreads and makes interpretative analysis of financial statements and prepares memorandum for use in loan decision-making. Performs credit analysis on the most complex relationships including C&I, Commercial Investment Real Estate, Owner-occupied an