Credit Analyst

Overview

Provide exceptional credit support to the Commercial Lending team, Credit Manager and Credit Officers by preparing analyses and assistance in preparation of credit approval presentations.

Responsibilities

• Work with other Credit Analyst, Credit Portfolio Manager, Credit Manager, Credit Officer, and CCO to ensure consistent and accurate credit analysis and loan presentations.
• Complete Financial Statement spreads.
• Prepare analysis of less complex loan requests, reviews and renewals.
• Conduct industry and market analysis.
• Provide support and analysis to the Special Assets Group as needed.

Compliance

• Comply with all applicable regulations and Bank policies regarding employment and employment law.
• Participate in annual compliance and other job-related training.
• Comply with applicable bank regulations, Bank policies and procedures.
• Comply with Bank’s internal privacy and ethics standards.

Relationships and ContactsInternal: Daily contact with Credit Analysts, CM, CO, Commercial Lenders, CCO, and Loan Administrative Assistants.

External: Occasional contact with borrowers, accountants and loan review.

Qualifications

• BA or BS in Accounting, Finance, Economics, or related field preferred
• Completion of a formal Credit Training program, or the ability to complete one within 12 months of hire, or equivalent experience.

Skills and Competencies

• Excellent communication and interpersonal skills with the ability to interact with all levels of personnel
• Demonstrate professionalism in appearance, punctuality, attitude, and grammar. Maintain a clean, organized work area.

• Demonstrated analytical and quantitative skills, with prior knowledge of financial statements and accounting principles
• An ability to balance priorities and exhibit organizational skills to manage both individual and multiple team priorities
• Must be proficient with MS Office software and be able to quickly master the bank's technology and systems
• Ability to interact effectively with other bank personnel across functional lines.
• Ability to articulate bank strategies and customer service philosophy

• Strong written, verbal and presentation skills
• Excellent decision-making skills
• Ability to multi-task in highly demanding environment
• Efficient, high quality producer, with attention to detail
• Good judgment and analytical skills with the ability to remain focused & work independently
• Must be able to process constructive feedback & remain even tempered
• Ability to drive, with a valid driver’s license, to travel between offices and/or attend sales calls and customer visits.

Working Conditions

Traditional office environment with the ability to work remotely on a hybrid basis; the office maintains five day a week operations (Monday – Friday) with operational hours of 8:00am – 5:00pm. Must be willing to travel to other Bank locations as needed. Physical Demands

Penn Community promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and employees. Please contact Human Resources with questions regarding the physical demands of this position.

• Lifting/carrying up to 10 lbs.
• Manual dexterity for computer work
• Speaking, hearing, and vision are required to perform essential functions

Equal Employment Opportunity

It is the policy of Penn Community to provide equal employment and advancement opportunities to all individuals. For this reason, employment decisions at Penn Community will be based on merit, qualifications, and abilities. Except where required or permitted by law, employment practices will not be influenced or affected by an applicant's or Team Member's race, color, religion, sex, national origin, age, sexual orientation, physical or mental disability, veteran status, or any other characteristic protected by law.