Credit Review Analyst

Evaluate and determine the credit risks of the high risk, high dollar amount and more complex commercial and consumer clients through detailed financial statement analysis, industry assessment, collateral valuation, and cash flow analysis. Must demonstrate working knowledge of applicable federal regulations and internal MMB loan policy.

ESSENTIAL DUTIES:

• Compare liquidity, profitability, and credit histories of individual or company being evaluated to determine risk.
• Ability to use logic and reasoning to identify strengths and weaknesses to come to a credit decision.
• Prepare reports that include the degree of risk involved in extending credit or lending money
• Compile reports regarding finance and credit data.
• Complete credit analyses and summaries of loan request, and submit to loan committees for approval.
• Comply with all Bank policies/procedures and all applicable federal and state laws and regulations
• Market, train, counsel, advise and communicate credit department policy and procedures to company personnel.
• Comply with security procedures established to ensure safety for employees and customers, to protect the privacy of customer account and financial information, as well as, follow fraud prevention guidelines established to protect the Bank from unnecessary losses
• Generate financial ratios, using computer programs, to evaluate customers financial status
• Maintain meeting documents that include
  • CDC agendas
  • CDC minutes
  • Maintain Sharepoint for Ipad users
• Prepare loan reviews outlined in the loan policy
• Assist in gathering information requested by examiners/auditors during bank examinations
• Other duties as assigned

KNOWLEDGE, SKILLS AND ABILITIES:

• Maintain friendliness and professionalism through the proper use of tact & diplomacy when dealing with customers at all times
• Display a positive attitude and enjoy working with the public
• Excellent interpersonal, communication, & organizational skills
• Strong mathematical skills along with accuracy
• Detail oriented
• Possess a great sense of organization, priority and time management
• Ability to work well under pressure
• Ability to identify, research and problem solve on a critical level and think on your feet
• Ability to be flexible and to multi-task on a regular basis
• Ability to work in a fast paced environment
• Ability to recognize and focus on critical issues
• Observing, receiving, and otherwise obtaining information from all relevant sources
• Strong knowledge of bank products/services & regulations
• Proficient knowledge of Microsoft Excel, word, and Outlook
• Bachelors degree in accounting, finance, or other business related field
• Demonstrated capability of analyzing and valuing complex commercial deals
• Knowledge if economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.

COMPETENCIES:

• To be successful in this position, an individual should possess & demonstrate the following competencies while performing the essential functions of this position.
• Computer Skills Strong working knowledge of computer functions. Ability to learn new technical skills & commitment to pursuing continuing education opportunities to advance technical skills
• Initiative Ability to determine a correct course of action based on knowledge, policies & sound judgment. Takes proactive steps to accomplish task without specific direction. Seeks out & takes responsibility for additional work assessments. Seeks out new learning opportunities. Ability to consistently make correct decisions based on sound judgment, job knowledge, job experience & job training. Willingness to take responsibility for decisions. Keeps supervisor informed of decision & reason & base for the decision
• Follow-Up Completes assignments & tasks willingly, promptly & efficiently. Responds with a sense of urgency to requests from customers, co-workers & /or supervisor. Keeps supervisor informed of status of completed tasks
• Communication Skills - Relates positively to customers, staff, co-workers, & supervisors. Consistently keeps staff & supervisor informed. Consistently demonstrates appropriate use of language expected in a professional work environment. Considerate & respectful of customers, staff, co-workers, & supervisors by tone, volume & mannerism used in communicating. Expresses thoughts clearly & proficiently in written & oral form. Maintains confidentially in all bank, employee & customer related matters
• Interpersonal Relationship Skills Works well with & along co-workers conveying thoughts, actions & actions in a positive manner. Supports, accepts & understands management & company directives & works to help achieve individual, departmental & company objectives & goals with positive behavior. Consistently displays a willingness to cooperate. Receptive to suggestions for improvement. Strong sense of business propriety & decorum. Interacts & communicates with individuals at all levels of the organization. Dependable, consistently at work & on time, follows instructions, responds to management directions & solicits feedback to improve performance
• Time-Management Ability to consistently display a sense of urgency in completing tasks & servicing customers needs. Ability to maintain accuracy & quality & of work as quantity of work increases. Individual organizes, prioritizes & plans work activities & use of time efficiently. Effectively prioritizes duties & develops a system that triggers action in own workflow. Possess ability to realize urgent nature of tasks assigned. Effectively uses the proper resources to maintain an organized, neat & efficient work environment necessary for completion of duties in a timely manner. Demonstrates accuracy & thoroughness & monitors own work to ensure quality & quantity of work. Takes time to verify work & promptly correct errors. Maintains all the required & appropriate records necessary in the job
• Adherence To Policies & Procedures - Understands the importance of adherence to bank policies in job related functions, employee & banking issues. Maintains confidentiality of employee, customer & bank information within & outside of the company. Actions & behaviors reflect positively on the company. Maintains highest level of honesty in handling customer, employee & bank information