Credit Analyst

The Credit Analyst is responsible for the review of all credit documentation pertaining to loans, including analyzing financial statements and periodic review of credit quality.   ESSENTIAL DUTIES: •Review all financial information received as part of various credit requests/reviews.  Responsible for data entry and spreads of financial statements, completion of credit analysis presentations, and assignment of risk rating   •Complete annual reviews of files over specified dollar limits, as requested by management, noting such things as collateral value, credit ratios and current information •Complete collateral inspections for construction projects and floor plans •Ordering of real estate appraisals and completion of real estate internal evaluations •Ordering of environmental prescreens •Assessment of compliance to loan policy of credit requests •Valid state driver’s license, clean driving record and reliable transportation to complete collateral inspections for construction projects and floor plans •Adherence to schedule in a structured work environment   ADDITIONAL RESPONSIBILITIES: •Assist with customer and associate inquiries •Prepare monthly reports •Act as consultant for computer program input •Performs other reasonable duties as assigned   REQUIRED EDUCATION, EXPERIENCE AND SKILLS: •Bachelor’s degree in finance, accounting, related field or equivalent relevant work experience •2 years bank credit analysis experience preferred. Relevant experience with a financial institution required. •Must be PC proficient in various software applications including financials spreading and Microsoft applications (Excel, PowerPoint, and Word) •Strong analytical, problem solving and written and oral communication skills are required.   •Must be attentive to detail, accurate, self-motivated, flexible, organized and able to work under pressure •Complete assigned duties within required deadlines    •Ability to work independently in a pressure environment with a high level of confidentiality •Ability to relate to and communicate effectively with internal and external customers at all levels •Practices high degree of professionalism and maintains satisfactory attendance within policy guidelines and is punctual.     EQUIPMENT USED: •Computer                 Telephone •Calculator                 Fax/Scan/Photocopier   PHYSICAL DEMANDS: •Must be able to see well enough to accurately and efficiently review and interpret written and printed documents, computer screens and make eye contact with internal/external customers •Must be able to articulate thoughts and express ideas effectively using oral, written and non-verbal communication skills •Must have finger dexterity to use a keyboard, telephone, paper, files and other equipment and objects •Constant sitting •Occasional walking and standing •Rare lifting and/or carrying up to 20 pounds, stooping, bending, squatting pushing and pulling   WORK ENVIRONMENT:  Indoors, environmentally controlled; Will travel out of office for appointments, meetings, and training.