Analyst

SUMMARY 

With direction and supervision from the Chief Banking Officer, provides direct support to commercial Relationship Managers to develop and analyze all relevant credit information pertaining to more complex commercial real estate and business loans.   Prepares thorough analysis of business and/or personal financial statements and presents facts and is expected to provide personal analytical opinions, as appropriate, concerning creditworthiness of existing borrowers and prospects.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Interacts directly with the President, Chief Banking Officer, Relationship Managers, Credit Administration officers, and customers/prospects regarding commercial real estate and business loans.
• Maintains an assigned/delegate loan portfolio as the secondary Relationship Manager.
• Must prepare accurate financial statement spreadsheets and debt service analysis derived from business and personal financial statements and tax returns.
• Prepares accurate credit authorizations in conjunction with Relationship Managers and presents a complete and thorough analysis of existing and potential borrowers.
• Recognizes and acts on customer requests; develops cross-sell opportunities with existing customers.
• Makes proper referral of loan opportunities to lending personnel.
• Without direction, interacts independently with customers/prospects to request financial information to complete spreading presentations and other financial analyses.
• Reviews loan agreement covenants for verification of the borrower’s compliance thereto.
• Accurately prepares financial projections as required.
• Maintains an accurate, up-to-date tracking log of all activity and credit arrangements in process.
• Collects industry information relevant to existing and proposed borrowers using internal and external sources.
• Consults with the President, the Chief Banking Officer, Relationship Managers and other Credit Administration officers on credit structure, pricing, collateral and other credit consideration issues.
• Conducts trade and reference checks on customers/prospects.
• Reviews documentation to ensure compliance with Bank policies and procedures.
• Performs special projects as designated by the President, Chief Banking Officer, Relationship Managers or Credit Administration officers.
• Accountable to understand and ensure regulatory and policy compliance with state and federal requirements including the following (but not limited to) Bank Secrecy Act, Anti-Money Laundering Act, Community Reinvestment Act, OFAC Regulations and Fair Lending and all applicable bank and government regulations
• Attends training and maintains a basic knowledge of procedures to ensure compliance with laws and regulations governing financial institutions, as they apply to your position and job responsibilities, with an emphasis on the BSA/AML/CIP, Consumer Privacy, Regulation CC, Information Security, Bank Protection Act, FACT-Identity Theft, Information Technology and GLBA.
• Telemarketing and external business development of new clients to the bank.
• Performs other departmental duties as assigned.

ADDITIONAL RESPONSIBILITIES

• Demonstrates high degree of professionalism in communication, attitude and teamwork with customers, peers and management
• Demonstrates high level of quality work, attendance and appearance
• Adheres to all Company Policies & Procedures and Safety Regulations
• Adheres to local, state and federal laws

• Understands and complies with all company rules and regulations
• Attends training and maintains a basic knowledge of procedures to ensure compliance with laws and regulations governing financial institutions, as they apply to your position and job responsibilities, with an emphasis on the BSA/AML/CIP, Consumer Privacy, Regulation CC, Information Security, Bank Protection Act, FACT-Identity Theft, Information Technology and GLBA.
• Additional duties as assigned as it relates to the position

SUPERVISORY RESPONSIBILITIES

This position does not have supervisory responsibilities

MINIMUM QUALIFICATIONS

• Bachelor’s degree.
• Strong, intermediate knowledge of accounting principles, tax return analysis and analytical interpretation of balance sheet and income statement analysis and cash flow.
• Strong working knowledge of Microsoft Word and Excel.
• Intermediate working knowledge of loan documentation.
• Must be able to handle a strong volume of workflow from various sources.

COMPETENCIES:

• Adaptability
• Communication
• Decision Making
• Initiative
• Innovation
• Motivator
• Organization
• Professionalism
• Results Orientated