Credit Analyst

Essential Functions & Responsibilities

Include, but are not limited to:

1) Analyzes applicant financial statements pertinent to loan requested.
2) Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan and makes recommendation.
3) Compiles loan package and facilitates negotiation of loan structure with loan officer, including fees, loan repayment options, and other credit terms.
4) Prepares loan presentations for loan officers to submit to loan committee for approval.
5) Serves as a backup for other position(s) and performs other duties, as assigned. *
6) Enhances career through work experience and continuing education. *
7) Maintains compliance with federal, state and local laws and regulations. *
8) Participates and responds to examinations, audits and third party reviews. *
9) Complies with the Information Security Program and is accountable for maintaining a high level of risk and security awareness.*
10) Establishes a good image for the Bank by being active and visible in the community. *
11) Attends meetings as assigned. *
12) Develops a working knowledge of the Bank’s products and services through usage and webex attendance to provide quality customer service while building relationships and exceeding expectations. *

Supervisory Responsibilities
This job has no supervisory responsibilities.

Qualifications
To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education & Experience
Bachelor's degree required; one to three years of related experience and/or training required; or equivalent combination of education and experience.

Language
Above average verbal and written communication skills. Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

Math
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.

Reasoning                                                                                                                                                                                                     Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret a variety of instructions in written, mathematical or diagram form and deal with several abstract and concrete variables.

Certificates, Licenses, Registrations
Must have a valid driver’s license and be willing to travel to outlying branch areas, as business needs dictate.

Physical Demands
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this light physical work position, the employee is regularly required to sit, talk or hear. The employee is occasionally required to stand, walk, use hands to finger, handle or feel, reach with hands and arms, climb or balance, stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus. Close up visual attention to detailed materials and effective hearing/verbal communication skills are needed. Must make accurate visual inspection of printed and/or written materials. Must be able to follow written and oral instructions. Regular customer service problem solving using established variables.

Work Environment
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is occasionally exposed to moving mechanical parts and outside weather conditions. The noise level in the work environment is usually moderate.

Equal Employment Opportunity
NFC and its subsidiaries are equal opportunity employers to all qualified persons without regard to race, color, creed, religion, sex, gender identity, sexual orientation, marital status, age, national origin, disability, status as a Vietnam era, special disabled veteran or any other characteristic as protected by law. NFC provides equal opportunities in employment, promotion, wages, benefits, and all other privileges, terms, and conditions of employment.