What are the responsibilities and job description for the Full Time Financial Analyst I, Credit Department position at FAB&T?
GENERAL DESCRIPTION OF POSITION
Perform analysis of financial condition of borrowers, to include cash flows and global cash flows. Perform financial analysis on the Bank's vendors and securities. Assist Loan Officers and Loan Operations Department.
ESSENTIAL DUTIES AND RESPONSIBILITIES
1. Help gather information, assemble spreadsheets, write reports, narratives on customers and prospects.
2. Conduct financial analysis on borrowers to include global cash flow.
3. Assist the Asset Liability Committee (ALCO) in the analysis of securities.
4. Analyze and prepare a narrative to summarize the financial condition of FABT's vendors.
5. Create and maintain reports as requested by Senior Lending Manager and other senior lenders.
6. Monitor tracking of financial statements, tax returns, accounts receivable agings and other documents such as Rent Rolls. May be asked to contact customers for updated information.
7. Check customer compliance with loan agreements.
8. Assist Loan Officers with commercial loans. May include preparing new loan and renewal authorizations, writing credit memos, collateral inspections and other risk management tasks.
9. Review mortgage release documents and denials.
10. Assist Loan Officers with collateral inspections.
11. Perform any other related duties as required or assigned.
PHYSICAL ACTIVITIES
While performing the functions of this job, the employee is regularly required to sit, use hands to finger, handle, or feel, reach with hands and arms, talk or hear; occasionally required to stand, walk. The employee must occasionally lift and/or move up to 25 pounds; regularly lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision; and color vision.
ADDITIONAL INFORMATION
Understands and adheres to all compliance issues, attends training as required and related to this position, including but not limited to the Bank Secrecy Act, Privacy Act, US Patriot Act, Security, RESPA, HMDA, Truth in Lending, and Red Flag.