Credit Analyst

Organization:

Community National Bank was founded in 1984 by a group of individuals in Nemaha County, Kansas with diverse local ownership with decisions made on a local level.

Position mission:

This position is responsible for assisting with the management and growth of commercial loan portfolio through learning the fundamentals of banking, credit analysis and lending. This position is an entry level position to support the existing portfolio and learn the customer base and processes to build upon for future growth.

The priority of this position is the role of Credit Analyst, learning the underwriting requirements of loan requests and supporting the lending team members.  This position should expand into a junior lender role as the individual becomes proficient as a credit analyst.

Jr. Credit Analyst Main Duties:

• Assist in analyzing credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
• Assist in preparing, analyzing and completing credit memos for submission to loan committee for approval.
• Assist in generating financial ratios, using Suntel, to evaluate customers' financial status.
• Assist in analyzing financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.
• Assist in comparing liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
• Understand loan policy and compliance and maintain current knowledge of any changes or updates.
• Assist in consultation with customers to resolve complaints and verify financial and credit transactions.
• Review weekly past due and coming due commercial loans.
• Maintain credit analysis pipeline daily for review by loan officers and senior management.
• Order credit reports as needed.
• Maintain checklist for every commercial loan file.
• Generate spreads on new loans and renewals as requested in Suntel.
• Work closely with loan officers and processors.
  • Tracking, reporting and removal of document exceptions
  • Tracking and reporting of Loan policy exceptions
  • Working cohesively with lenders to manage the credit quality of the portfolio

Jr. Lender Main Duties:

• Assist in retaining existing commercial relationships and support new business through loans, accounts, and services for both business and consumer.
• Assist in the interview of applicants to determine loan requirements and gather pertinent information for loan applications.
• Analyze applicant information to determine feasibility of granting loans within loan policy.
• Assist in resolving uncertainties relating to customer application information through inquiries with applicants or creditors.
• Assist in explaining to the customer the different types of loans and credit options that are available, as well as the terms of those services.
• Assist in reviewing loan agreements and make sure that they are complete and accurate. Learning the documents required for different types of loans.
• Assist in ensuring timely loan closing and funding activities through follow up and communication to other departments and team members.
• Assist in maintaining customer relationships through regular communication and follow-up.
• Learn and maintain up to date knowledge on banking laws, regulations, compliance issues, and bank policies
• Maintain a positive working relationship with customers, bank staff, local professionals, centers of influence, and community organizations.
• Assist in the management of the loan portfolio including renewals, modifications, updated credit analysis, collections, and portfolio monitoring through effective pipeline management.
•  Uses knowledge and experience to express sound judgment to plan and accomplish goals.

General Responsibilities:

• Support CNB’s strong relationship culture through quality customer service and superior product knowledge
• Provide superior customer service by resolving problems efficiently and responding timely
• Identify and implement solutions to problems in general and urgent matters
• Actively seek to add and enhance knowledge regarding developments and current trends in the industry
• Seek counsel of supervisor on issues as appropriate
• Work collaboratively with staff to maintain a team environment
• Flexible to accept additional assignments as requested by leadership
• Cross train for other positions to cover when necessary
• Professionalism while representing CNB (onsite, professional and community events and via communications
• Participate and attend meetings as requested
• Recommend policies and procedures as it relates to area of responsibility
• Timely responses to inquiries for information to customers, staff and vendors
• Answer telephone calls and provide a prompt response
• Follow CNB’s policies and procedures
• Other duties as assigned

Qualifications:

• Bachelor’s degree in finance, business management or related field preferred
• 5 years of experience in bank lending, loan review, or related field preferred, 2-4 years required
• Requires a high degree of confidentiality
• Working knowledge of accounting and workflow software, and Microsoft office (word, excel, Outlook, PowerPoint, etc.)
• Exceptional communication skills, written and verbal, organizational skills, time management skills and being a self-starter
• Detail oriented and ability to self-audit work to ensure accuracy
• Requires being reliable, responsible, and dependable to fulfill the obligations of this role

Physical Demands:

The physical demands described are representative to those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee must be able to stand and sit for extended lengths of time, read computer screens, talk on the phone, unpack and move supplies up to fifty (50) pounds, reach, kneel, bend, climb and balance. Vision abilities required for this job include close vision.

Work Environment:

While performing the duties of this job, the work environment is primarily a professional, deadline driven environment with interaction of internal team members and external customers. Noise level in the work environment can be loud.

Additional Duties:

This job description is only a summary of the typical functions of this position, not an exhaustive nor all-inclusive list of all possible job responsibilities, tasks, duties, knowledge, skill and ability required to perform this job. Additional duties and responsibilities may be added to this job description at any time. The job description does not state or imply that these are the only activities to be performed by the employee(s) holding this position. Employees are required to follow any other job-related instructions and to perform any other job-related responsibilities as required.

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate individuals.  Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions.  However, no accommodations are made which may pose serious health or safety risks to the team member or others, or which impose undue hardships on Community National Bank.  An individual seeking an accommodation should contact the Human Resources.

Job descriptions are not intended to and do not create employment contracts. Community National Bank maintains its status as an at-will employer.  Team members can be terminated at any time, for any reason not prohibited by law. Community National Bank is an equal opportunity employer.