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BASIC FUNCTION:
Performs independent analysis of loan requests for the purpose of recommending approval, denial, or alternate structures, while noting any deviations from loan policy. Assist in the development of the procedures and processes to support the objectives of the position.
REPORTS TO: Credit Administrator
SUPERVISES: None
MINIMUM QUALIFICATION:
EDUCATION: Bachelor’s degree (Master’s preferred) in Finance, Accounting, Business or
Economics.
- OR -
EXPERIENCE: Six to eight years of well-developed credit skills.
SENSORY AND PHYSICAL REQUIREMENTS:
Must have ability to read documents from many sources.
Must be able to communicate audibly in and with staff, customers and general public.
DESIRABLE QUALIFICATIONS:
- Knowledgeable in Microsoft Office Suite of products
- Excellent organizational and analytical skills
- Excellent skills in judgement, leadership, initiative and organization
- Self-starter and ability to be assertive and arrive at sound business decisions
- Problem-solving
• Ability to assume responsibility without supervision
• Exercises initiative and makes decisions within scope of assigned authority
• Adapts to changes in the work environment, manages competing demands and changes approach or method to best fit the situation.
• Ability to deal with frequent changes, delays or unexpected events
RESPONSIBILITIES (the essential responsibilities of the position include, but are not limited to):
40% 1. Analyzes financial statements (including performance ratios) of all levels of quality to develop initial assessment by identifying strengths and weaknesses pertaining to a borrower’s historical operating performance. Independently discusses alternative structures, overall assessments and turnaround requirements with loan officer regarding their work. Prepares and reviews in-depth written analyses for relationship of all sizes and all levels of complexity, including those that gain the greatest exposure.
40% 2. Assist in overall workflow of a credit package between loan officer and decision. Communicates effectively and efficiently with loan officers to provide a seamless workflow of credit package. Ensure packages are within policy in accordance with the Credit Manual.
20% 3. Researches industry specific information from outside sources, including conversations with borrowers, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the Internet.
Full Time
$54k-69k (estimate)
05/12/2024
07/11/2024
rivervalleyagcredit.com
Mayfield, KY
<25
The job skills required for Credit Analyst include Financial Statements, Accounting, Microsoft Office, Leadership, Analytical Skills, Communicates Effectively, etc. Having related job skills and expertise will give you an advantage when applying to be a Credit Analyst. 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. Select any job title you are interested in and start to search job requirements.
The following is the career advancement route for Credit Analyst positions, which can be used as a reference in future career path planning. As a Credit Analyst, it can be promoted into senior positions as a Credit Analyst III that are expected to handle more key tasks, people in this role will get a higher salary paid than an ordinary Credit Analyst. You can explore the career advancement for a Credit Analyst below and select your interested title to get hiring information.