Credit Analyst

Credit Analyst

Requirements

• Bachelor’s Degree or approved equivalent combination of education and experience
• Work-related experience should consist of commercial financial analysis or a lending background
• Preferred two to three years’ experience in financial and/or credit analysis or related areas
• Experience, knowledge and training in financial statement and tax return analysis
• Strong knowledge of commercial, construction and real estate credit analysis
• Ability to analyze and interpret general business periodicals, professional journals and technical procedures
• Ability to effectively present information and respond to questions from diverse groups, including managers, customers and members of the general public
• Proficient in Microsoft Office suite (Word, Excel and PowerPoint)
• Strong typing skills to meet production needs of the position
• Strong math skills
• Effective verbal, written and interpersonal communication skills
• Ability to deal with normal problems involving multiple facets and variables in non-standardized situations
• Excellent organizational and time management skills
• Ability to work with minimal supervision while performing duties

Responsibilities

• Providing due diligence and analytical support to the Relationship Officer and Relationship Manager, Director and Division Manager
• Gathering and analyzing credit information on current and potential borrowers
• Determining the advisability of granting credit for diversified types of loans
• Assisting Relationship Officers, Relationship Managers, Directors and the Division Manager in writing loan requests
• Promoting business for the Bank by maintaining good client relations and referring clients to appropriate staff for new services
• Assisting in performing pre-qualification assessment and analysis of financial condition and risk of financing requests
• Gathering data from clients and internal and outside sources; preparing spreadsheets and analyzing financial information
• Compiling data from credit bureaus, conducting industry peer comparisons and performing cash flow analyses
• Informing Relationship Officer, Relationship Manager, Director and Division Manager when up-to-date financial statements are needed for commercial accounts
• Ensuring credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning
• Working with Relationship Officers, Relationship Managers and Directors to ensure that all portfolio management responsibilities are well documented
• Assisting in the review, initial approval and renewal of credit facilities and providing back-up support
• Developing knowledge of relevant industries and economic conditions that impose risk to the client base
• Representing the Bank in various community, civic, and community reinvestment functions
• Reinforcing the application of superior client service
• Assuring compliance with all Bank policies, procedures and processes and all applicable state and federal banking laws
• Completing administrative tasks correctly and on time

Preferred Qualifications

• Preferred two to three years’ experience in financial and/or credit analysis or related areas