Credit Analyst I (Exempt), Credit Analysis

Equal opportunity employer as to all protected groups, including protected veterans and individuals with disabilities

JOB SUMMARY:

Responsible for accurately analyzing personal and business financial information and underwriting new and existing loans and relationships according to the bank’s guidelines and policies.

EDUCATION/EXPERIENCE REQUIRED:

• Bachelor’s degree in Accounting, Finance, Economics, or a business field with a minimum of twelve hours course work in accounting (three years’ work experience as a commercial banker or commercial credit analyst preferred); or other Bachelor’s degree with work experience in commercial banking or commercial credit analysis (five years preferred).
• Education or work experience in interpreting financial statements and using projections in order to ascertain financial trends.
  
  

QUALIFICATIONS/SKILLS REQUIRED:

• Strong verbal and written communication skills
• Ability to conduct research and write the substance of an analysis in narrative form.
• Able to participate in customer meetings with or without a lender and communicate effectively with business owners to extract useful information in a professional manner.
  
  

ESSENTIAL JOB DUTIES AND RESPONSIBILITIES:

• Prepares high-quality loan presentations and ensures accuracy of financial and other analyses for commercial banking, commercial real estate, and private banking. Analyzes rent rolls, leases, operating statements, tax returns, personal financial statements, and other related material. Prepares a variety of analyses and risk identification including borrower cash flow, global cash flow, property cash flow, sensitivity, market/industry research, etc.
• Assists loan officers regarding credit worthiness while identifying proper loan structure.
• Assigns credit ratings based on a thorough risk assessment of the request and/or existing loan.
• Assists loan officer with recommended changes to loan terms and structure, loan covenants, guarantor and collateral structure, risk ratings, etc.
• Identifies risk in the underlying loan requests- including but not limited to: operational risk, financial risk, market/industry risk, collateral risk, management risk, etc.
• Stays informed about the legal, compliance, lending activities, competition and economic and market-risk related issues involved in the approval of credit.
• Requests and attends meetings with customers to gather and evaluate financial and related data to establish credit worthiness.
• Makes recommendations and assists with the development & revisions of Loan Policy, Supplement to Loan Policy, and Loan Procedures, as requested by manager or management team.
• Performs analysis for various vendors of organization as requested.
• Prepares various reports regarding the commercial loan portfolio, including but not limited to concentration reports, industry updates, and others as requested or required.
• Performs other duties as assigned.
  
  

BENEFITS:

• Health Insurance
• Dental Insurance
• Vision Insurance
• Paid Vacation
• Paid Holidays
• Employee Stock Ownership Plan
• 401k Plan
• Flexible Benefit Plan
• Voluntary Life Insurance
• AD&D Insurance
• Discounted Banking Services
• EAP (Free counseling sessions)
• Discounted AAA Membership
• Fitness Discounts
• Vacation Purchase Plan
• Interest-Free Computer Loan
• Interest-Free Fitness Equipment Loan
• Service Awards
• Attendance Awards
• Funeral Leave
• Subsidized Parking (Downtown)
• Sick Leave
• Educational Assistance Program
• Employee Wellness Program
• Dell Computer Discount
• Discounted Tickets
• Cell Phone Discount
• Jeans days to benefit local charities
• Paid Identity Theft Protection
• New Hire Incentive (for hourly employees)
• Personal Day
• Birthday Holiday
• Wedding Days
• Appointment Time
• Long Term Disability
• Life Insurance (2x salary)