You are viewing a preview of this job. Log in or register to view more details about this job.
Email

Job Title:  Credit Analyst

Department:  Loans

Supervisor:  President & CEO

 

Summary: 

     As credit analyst you will analyze financial information to provide objective analysis and risk assessments of both individual and business relationships.  Inputs financial data into applicable spreadsheets and programs.  Acts as a resource to lenders to ensure adherence to industry regulations.  Works with loan support staff on various projects. Assists in appraisal review and preparing property evaluation reports.  In addition retail lending as available will be conducted.

Essential Duties and Responsibilities include the following.  Other duties may be assigned:

  • Follows all established bank policies and procedures.
  • Gathers, spreads and analyzes financial information to determine the credit worthiness of the bank's existing and prospective customers.
  • Works with various established report programs.
  • Reviews loan reports with loan officers.
  • Communicates with accountants and appraisers on the various issues of customers' financial statements/appraisals.
  • Works with loan officers to discuss questions and resolve problems in order to achieve compliance as needed.
  • Maintains credit file, including reviewing loan documentation and addenda.
  • Distribute and upload loan presentations.

Secondary Duties: 

  • As available will conduct retail loan officer duties.
  • Assists loan department staff as needed.
  • Sends and tracks financial statement request notices to customers and works with tickler information.
  • Understands loan department workflow and all aspects of the loan policy.
  • Identifies and assesses risk and escalates issues to the Loan Compliance Officer or President & CEO as needed.
  • Reviews appraisals and prepares property evaluation reports to ensure compliance with industry standards, regulatory requirements and bank standards; reasonableness and credibility of appraisals as needed.
  • Completes participating credit verifications.
  • May monitor loan covenants and participating loan requirements (loan agreements, communication log, etc.).
  • Participates in Saturday Officer rotations.

Supervisory Duties:  None.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed below are representative of the knowledge, skill and or ability required.  Reasonable accommodations may be made to enable individuals to perform the essential functions.

Knowledge, Skills, Abilities, Education and or Experience:

  • Applicable college degree (emphasis in finance, accounting, etc.) and or equivalent work experience.
  • Ability to read and interpret personal and business tax returns and financial statements.
  • Must have above average word processing and spreadsheet skills.
  • Working knowledge of financial analysis software preferred.
  • Must be able to compile, coordinate and prioritize work flow.
  • Must be self-motivated with the ability to work independently.

 

Equal Opportunity Employer

Member FDIC