Credit Analyst

SUMMARY

Analyzes, examines, and researches various sources of information to determine the risk/profitability of various commercial credit offerings, modifications, renewals and existing loan relationships. Provides support to the Commercial Lending department in all phases of loan portfolio maintenance and management. Communicates clearly with the Bank’s internal and external customers.

ESSENTIAL JOB FUNCTIONS

• Analyzes relevant financial information (credit data, tax returns, financial statements, market share, etc.), determines appropriate structure for complex loan proposals, modifications, renewals and reviews, makes recommendations for approval/denial in accordance with the Bank’s asset quality and profitability goals and objectives.
• Analyzes relevant information (spreading financial data, analyzing company, industry, and real estate data and trends) and determines appropriate risk ratings based on customer relationships, in accordance with the Bank’s lending policies.
• Determines compliance with specific covenants including, but not limited to: debt service coverage, leverage, collateral, guarantors, etc.
• Interprets loan-related policies and procedures, and utilizes such knowledge during the course of performing position responsibilities.
• Works closely with Loan Officers to manage customer accounts/relationships.
• Maintains organized credit files.
• Assists in requesting periodic financial information from borrowers.
• Assists in ordering and reviewing appraisals and environmental reports from Bank vendors.
• Takes a leadership role in credit work process/technology-related special projects, as needed.
• Serves as a member of the Bank’s Loan Quality Committee.

OTHER DUTIES AND RESPONSIBILITIES

• Other duties as assigned.

COMPETENCIES

• Accurate/Detailed Oriented – Is precise and accurate and pays attention to details; double checks work before passing it on.
• Action Oriented/Proactive – Enjoys working hard, is action-oriented and full of energy, seizes opportunities, expresses opinions and initiates ideas, is engaged in the process, is proactive in helping others, and takes tasks and runs with them.
• Trustworthy/Confident – Creates, builds and maintains a strong sense of trust and confidence with others, empowers others, treats others fairly and truthfully, values the opinions of others, acts with tact and diplomacy, models organizational values, and words and actions are consistent.
• Flexible/Adaptable – Understands things can change, adapts quickly to change, is willing to listen to other opinions or ways of doing things, and will embrace constructive change even if it is personally difficult.
• Self-Aware/Motivated to Grow Professionally – Is aware of own strengths and areas for development, values constructive feedback from others, works to overcome limitations, and continuously looks for ways to develop skills.
• Team Player/Collaborative — Works cooperatively with others, makes efforts to include others in the team, encourages all to participate in discussion, celebrates wins together, contributes to achieve a common objective, communicates well, makes decisions that benefit the team, and assists others when needed.
• Integrity/ Leads by Example – Adheres to an appropriate and effective set of core values and beliefs during both good and bad times, acts in line with those values, rewards the right values, practices what he/she preaches, seen as a truthful and trusted individual, and keeps confidence.

POSITION SPECIFIC REQUIREMENTS

• Associate’s Degree required; Bachelor’s Degree in Business, Accounting or Finance preferred.
• Minimum three years’ banking experience required.
• Developed knowledge of credit, market research, and financial statement analysis techniques required.
• Ability to fluently read, write, speak, and understand the English language required.
• Demonstrated ability to write professional, comprehensive and easy to understand business reviews and financial models required.
• Excellent analytical, decision making, organizational, and time management skills required.
• Ability to adapt to changes in the work environment, manage competing demands and deal with frequent change, stress and/or unexpected events required.
• Proficient use of computers and technology required (i.e. Internet, PCs, tablets, smartphones, MS Office, etc.); Moody’s Risk Analyst and COCC experience preferred.

WORKING CONDITIONS/PHYSICAL DEMANDS

• Ability to communicate orally and in writing, alphabetize and collate.
• Ability to proofread and check documents for accuracy.
• Ability to enter words and data into a computer.
• Ability to lift supply boxes and bend/reach to file records.

The above statements are intended to describe the general nature and level of work being performed by people assigned to do this job. The above is not intended to be an exhaustive list of all responsibilities and duties required.

*External and internal applicants, as well as position incumbents who become disabled as defined under the Americans with Disabilities Act must be able to perform the essential job functions (as listed) either unaided or with the assistance of a reasonable accommodation to be determined by management on a case by case basis.

EOE/AA/M/F/Vet/Disability

Member FDIC/Member DIF

Equal Housing Lender

Job Type: Full-time

Pay: $88,160.00 - $123,270.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Referral program
• Retirement plan
• Vision insurance

Work Location: In person

Salary : $88,160 - $123,270