Credit Analyst II

Summary

Responsible for evaluating and approving or rejecting loan applications based on established criteria. Handles smaller and less complex loans.                                                                                                                                                                   

Essential Duties and Responsibilities

• Receive credit requests and make approve/decline decisions within established policy, guidelines, and turnaround times.
• Underwrite real estate related credit requests.
• Document decisions properly and completely with particular diligence given to explanations of overrides or variances, to include a narrative to explain credit decisions. 
• Provide a high level of customer service to the originators of loan requests to include the       communication of credit decisions and answering questions.                      
• Works with the loan administration and client specialists to manage delinquencies on loans;
• Reports troublesome loans to the senior credit officer and commercial line manager on a timely basis.
• Ensures that the systems of record are accurate for the loans being administered; ensures that management information is reported timely and accurately.
• Obtains satisfactory loan reviews and ensures that regular audits are performed.

Qualifications

• College degree in related field
• 4-8 years of relevant experience and/or training preferred.

Computer and Office Equipment Skills

Microsoft Office Suite