Credit Analyst

Job Title: Credit Analyst
Department: Credit Admin (HQ Office)

We are looking for a Credit Analyst to join our Credit Admin team. The Credit Analyst is responsible for underwriting, documenting, processing, and maintaining lending products and loan files. Assist in evaluating loan applications, analyzing financial data, and supporting the Commercial lending team in making informed credit decisions. 

Key Responsibilities:

• Assist underwriting commercial loan products following the bank’s loan policy and procedures, and general prudent lending practices.
• Perform credit analysis and spreads on financial information; and communicate with the Senior Credit Administrator on loans.
• Perform site visitations to new borrowers and existing borrowers.
• Prepare and review files for policy, regulatory, and documentation compliance, including equal credit, fair credit reporting, BSA, and other regulatory requirements.
• Follow up with tickler items. 
• Provide good service to all clients and potential clients of the bank, as needed as required for obtaining necessary documents for other departments of the bank.
• Maintains high level of awareness in areas of regulatory compliance, loss prevention, security matters and adherence to Bank’s policies and procedures. 

Requirements/Qualifications:

• Bachelor’s degree in Business Administration or related field or equivalent work experience required.
• Excellent verbal and written communication skills.
• Good written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person, and over the phone.
• Ability to respond effectively to the most sensitive inquiries or client complaints.  
• Present a professional image in dealing with customers, interdepartmental, and external representatives.
• Accurate typing/keyboarding skills; basic computer skills, including the use of word processing, spreadsheet software applications, core banking process systems, e-mail and on-line banking programs.
• Good analytical skills including the ability to define problems, collect data, establish facts, and draw conclusions.        
• Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables. 
• Ability to retain broad knowledge of lending tasks.
• Strong analytical skills with a thorough understanding of lending operations and client needs.

Employee Benefits & Perks

• Medical, Dental, & Vision: Open Bank offers medical, dental, and vision insurance for all full-time employees and their immediate family members. Employees become eligible for insurance benefits on the first of the month following their hire date.
• Life, Accidental Death & Dismemberment, & Long-Term Disability: Open Bank pays 100% of the cost.
• Flexible Spending Account (FSA): Tax-advantaged financial accounts are offered for employees to pay for eligible out-of-pocket expenses (health, dependent care, transit, and parking) with pre-tax dollars.
• 401(k) Retirement Savings Plan: Open Bank matches 100% of the first 6% of employees' contributions. Employees are eligible to participate on the first of the month following 90 days of employment.
• Paid Time Off (PTO): Employees begin to accrue PTO hours at the time of hire to use for vacation, illness, or other personal reasons.
• Employee Assistance Program (EAP): The EAP offers counseling sessions, online tools and resources, and legal and financial guidance for employees and their family.
• Company Paid Lunch:  Open Bank provides company paid lunch twice a week.

To view current job openings, please visit Open Bank Careers Page:  https://myopenbank.com/about/#