Job Description

Senior Credit Analyst for $75K - $120K with full benefits

• Direct
• Permanent
• Full-Time
• Hybrid setup

The Company is dedicated to providing people, businesses, and communities in our markets with high quality products and services with superior customer service. We will provide products and services through secure, user-friendly technology and customer friendly locations. Our relationships are founded in our desire to be responsive to the financial needs of our customers in an atmosphere of personal attention, professionalism, trust, integrity and fairness. The Company prides itself on maintaining personal communications beginning with the Board of Directors.

Basic Qualifications

Education/Training: Bachelor’s degree in Accounting, Finance, or related field of study required; specialized bank lending education/training.

Skill(s): Proficient in English, reading, writing, grammar, and mathematics skills; proficient interpersonal relations and communication skills; proficient organizational skills; proficient financial analysis skills; proficient PC skills including Microsoft Office and ability to learn specific financial software; thorough knowledge of current related regulations; skills sufficient to train new Credit Administration personnel.

Experience: A minimum of five (5) years’ related experience required.

General Responsibilities

Responsible for performing credit analysis on more complex credits to evaluate the creditworthiness of individuals and businesses; coordinating work within the department, as well as with other departments; complying with operating policies and procedures established for the credit analysis function; communicating with appropriate personnel; responding to inquiries or requests for information; maintaining appropriate records and providing assigned reports.

Essential Duties

1. Performs credit analysis on more complex credits to evaluate the creditworthiness of individuals and businesses of which the following are illustrative:

2. Receives application and related financial data on prospective and active borrowing accounts, i.e., financial statements, agency reports, interview and investigation sheets, etc.

3. Analyzes data and evaluates the short- and long-run prospects of the individual or business; determines the degree of risk involved in extending credit or lending money; assists in determining the likelihood that the borrower will be able to meet their financial obligations.

Essential Duties (continued)

1. Ensures that all credit analysis activities are conducted in accordance with prescribed lending policy.
2. Generates financial ratios to evaluate customer’s financial status.
3. Provides thorough documentation of all financial analysis work, including ratios and other related information; provides a complete analysis suitable for presentation to appropriate approving authority; prepares related reports.
4. May make recommendations to appropriate personnel on the granting or denying of loans; prepares sufficient information to document recommendations, if assigned to a lending function.
5. If assigned to the loan review function, may suggest a loan grade after conducting a thorough credit analysis and documentation review.
6. Evaluates customer records and recommends payment plans based on earnings, savings data, payment history, and purchase activity.
7. Reviews individual and commercial customer files to identify and select delinquent accounts for collection.
8. Compares liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
9. Confers with credit association and other business representatives to exchange credit information.
10. Consults with customers to verify financial and credit transactions; resolves customer complaints.
11. Reviews and maintains credit files to ensure all necessary information is assembled.
12. Trains new credit administration personnel as appropriate.
13. Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of harassment and other forms of illegal discriminatory behavior in the workplace.
14. Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Bank's compliance with all regulatory requirements.
15. Coordinates specific work tasks with other personnel within the department as well as with other departments in order to ensure the smooth and efficient flow of information.
16. Communicates with management and staff personnel in order to integrate goals and activities.
17. Responds to inquiries relating to his/her particular area, or to requests from other Bank personnel, customers, etc., within given time frames and within established policy.
18. Maintains appropriate records and provides assigned reports.

Ancillary Duties

1. Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances.

Equipment/Machines

1. Telephone

2. PC/Computer keyboard

3. Printer

4. Copy machine

5. Fax machine

6. Scanner

7. Calculator