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Must satisfactorily pass credit, basic skills test, reference check and criminal background check.
Department: Business Banking
Reports to: Credit Analysis Department Manager
Summary: In collaboration with commercial lenders, evaluates the financial condition of individuals and businesses applying for credit with the financial institution.
Duties and Responsibilities
1. Analysis
· Obtains financial information from commercial lenders to assess the creditworthiness of potential borrowers and monitor the credit risk of existing clients.
· Analyzes financial statements, tax returns, credit reports and other related information pertaining to proposed and existing loans to businesses and individuals.
· Prepares preliminary financial analysis and spreadsheets including income statements, cash flow models, balance sheets and financial ratios.
· Reviews preliminary analysis with the Credit Analysis Department Manager.
· Reviews preliminary analysis with commercial lender and finalizes the analysis.
2. Accuracy
· Reviews and prepares written analysis, spreadsheets, reports, summaries and opinions.
· Ensures accuracy of financial analysis.
· Interacts with lenders in relation to loan requests, loan presentations, financial analysis and discussions with borrowers and borrowers’ accountants.
· Assists in the preparation of quarterly bank reviews and board reports.
3. Education
· Provides assistance to loan officers with evaluation of credit and loan terms.
Other duties as assigned
Qualifications
Bachelor’s degree required. Ability to think through and understand a process from start to finish. Must be able to solve problems quickly and accurately. Ability to read and write routine reports and correspondence. Ability to communicate effectively with lending personnel. Must be able to add, subtract, multiply and divide using whole numbers, common fractions and decimals. Strong problem solving skills required, with ability to apply commonsense understanding to carry out instructions furnished in written, oral or diagram form. Basic clerical skills to include ten key, typing, and strong computer skills required. Good organizational skills.
Work Environment
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The employee is frequently required to sit and occasionally required to walk and be able to talk and hear. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision and the ability to adjust focus. Must be able to wear a mask while in the workplace in accordance with federal and state requirements. The noise level in the work environment is usually moderate.
Equal Employment Opportunity Employer/M/F/Disability/Veteran
Job Type: Full-time
Pay: From $17.17 per hour
Benefits:
Schedule:
Application Question(s):
Education:
Work Location: In person
Full Time
Lending & Credit
$49k-62k (estimate)
05/12/2024
05/21/2024
citizensebank.com
SALEM, OR
100 - 200
1957
THOMAS A SVOLEANTOPAULOS
$10M - $50M
Lending & Credit
Welcome to locally owned Citizens Bank, the area's premier community bank. We proudly provide comprehensive banking services to businesses and individuals in 13 Willamette Valley communities. At Citizens Bank, we believe that our success is directly linked to the overall health of the region we serve. Since 1957, we have committed ourselves to improving the communities in which we live, work, and play. We honor that commitment daily by providing a full range of banking services with a personal, hometown touch; by supporting the continued prosperity of local businesses; and by emphasizing hones...ty, integrity, and fairness in our relationships with customers, co-workers, and neighbors. Citizens Bank: Good Business. Good Friends. Member FDIC, Equal Housing Lender
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The job skills required for Credit Analyst I include Analysis, Financial Statements, Credit Analysis, Presentation, Financial Analysis, Credit Risk, etc. Having related job skills and expertise will give you an advantage when applying to be a Credit Analyst I. That makes you unique and can impact how much salary you can get paid. Below are job openings related to skills required by Credit Analyst I. Select any job title you are interested in and start to search job requirements.
The following is the career advancement route for Credit Analyst I positions, which can be used as a reference in future career path planning. As a Credit Analyst I, it can be promoted into senior positions as a Credit Analyst II that are expected to handle more key tasks, people in this role will get a higher salary paid than an ordinary Credit Analyst I. You can explore the career advancement for a Credit Analyst I below and select your interested title to get hiring information.