Credit Analyst

A Bachelor’s Degree in Business, Finance, or a related field, or equivalent experience.
Proficiency in Microsoft Office Suite, with exceptional skills in Excel and Word; knowledge of loan origination software like Baker Hill NextGen is a plus.
Advanced written and verbal communication skills, with high initiative and self-motivation.
Strong interpersonal and customer service skills, with the ability to build and maintain relationships.
Ability to analyze and interpret technical documents, financial reports, and complex government regulations.
Detail-oriented, with excellent organizational skills and the ability to prioritize and multitask effectively.

Review and analyze ongoing financial information for current borrowers, raising concerns with the appropriate Credit personnel when necessary.
Perform monthly reviews of investment-secured loans to assess loan-to-value ratios within policy guidelines.
Conduct secondary reviews of annual loan reviews to ensure accuracy in documents, supporting internal controls.
Process borrowing base and covenant compliance certificates, ensuring correctness of collateral calculations.
Review, analyze, and spread personal and business financial statements and tax returns, focusing on consumer and cash/investment secured loans.
Prepare accurate and timely loan presentations, clearly documenting financial results, repayment sources, risks, and collateral details.