Credit Analyst II

Credit Analyst II – Job Description

The Credit Analyst II position is responsible for aspects of credit quality in the bank’s loan portfolio while providing support to the lending staff and Chief Credit Officer.

Classification FLSA Status Department

Full-Time Exempt Credit

Statement of Expectations

Prism Bank expects all employees to comply with the responsibilities of their assigned positions to the highest degree of performance. Expectations include but are not limited to:

• Adhere to the bank’s policies and support management decisions and goals in a positive, professional manner.
• Represent Prism Bank with a high level of integrity and professionalism.
• Maintain knowledge and understanding of banking rules, regulations, laws, and all internal policies and procedures.
• Demonstrate a willingness to adapt to changing business needs and deadlines.
• Maintain a high level of rapport with other departments of the Bank and all co-workers.
• Possess a work ethic that includes neatness and punctuality.
• Exhibit a professional, business-like appearance and demeanor.
• Answer all voicemails and emails within 24 hours of receipt.
• Confer with management concerning questions, procedures, necessary information, form completion, and problem resolutions.
• Complete and attend all required training.
• Maintain satisfactory attendance.
• Maintain confidentiality of sensitive information.
• Follow policies, systems, and controls to ensure compliance with regulations, laws guidance, and internal policies.

Essential Functions

• Evaluates the degree of risk of loans including borrowers’ credit data and financial statements and prepares recommendations for the Bank’s lending committees regarding loan structures and provides supporting documentation.
• Underwrites loans for borrowers as requested in the form of technical and analytical responsibilities in gathering, spreading, and analyzing financial information, industry information, loan application, preparation, recommendation of loan structure, monitoring of covenant compliance, and review of terms.
• Prepares credit memorandums for participation loans to evaluate risk and give recommendations while corresponding with participant banks.
• Conducts syndicated and annual reviews.
• Reviews loan files for completeness as needed.
• Participates in loan committee and loan review committee meetings.
• Complies with all applicable regulations, guidelines, and bank policies.
• Demonstrates knowledge and expertise of lending practices and financial principles and supports the Company’s overall mission, standards, policies and procedures, and confidentiality guidelines.

Additional Responsibilities

• Assists Credit Management with projects as necessary.
• Performs other duties as required by Credit Management.
• Participates on behalf of the Bank in community and bank-sponsored activities as requested.

Physical Activities Required to Perform Essential Functions

This work is moderately active and requires the following physical activities:

• Frequent bending, squatting, kneeling, stooping, walking, sitting, finger dexterity, feeling, repetitive motions, talking, hearing, and visual acuity.
• Frequent lifting (up to 35 pounds of equipment).
• Driving to company locations and other sites as needed.
• Work for sustained periods of time maintaining concentrated attention to detail
• Must be able to visually distinguish between shades of colors.

Accommodations may be made for some of these physical demands for otherwise qualified individual who require and request such accommodations.

Working Conditions

• Work is performed in environmentally controlled and partially environmentally controlled rooms.
• Work may be performed in a very noisy room.
• May be exposed to heat and dust.

Accommodation may be made for some of these physical demands for otherwise qualified individuals who require and request such accommodation.

Knowledge, Skills, and Abilities

• Strong verbal and written communication skills
• Good presentation skills
• Good negotiation skills
• Good interpersonal skills
• Able to work well with a wide range of people
• Good problem-solving skills
• Good organizational and time management skills
• Strong sense of customer service
• Thorough understanding of general banking guidelines
• Able to handle increased pressure situations on occasion
• Able to make appropriate judgments based on Bank policy and procedures
• Able to perform basic mathematical computations
• Able to compute rate, ratio, and percentage
• Able to interpret bar graphs
• Proficient in Microsoft Office applications including Word, and Excel
• Able and willing to continue business skill development

Education and Experience

• Bachelor’s Degree in Finance, Accounting, Business-related field, or an equivalent combination of education and experience.
• Minimum 1 year of credit analyst/underwriting experience preferred.

Reporting

This position reports to the AVP-Senior Credit Analyst.

Supervisory Responsibility

This role does not have any supervisory responsibilities.

Work Environment

This job operates in a clerical, office setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines.

Position Type and Expected Hours of Work

This is a Full-Time position with typical working hours of Monday through Friday, 8:00 a.m. to 5:00 p.m.Hours and work shifts may change in accordance with business needs.

Reasonable Accommodation Statement

To perform this job successfully, an individual must be able to perform each essential duty listed below satisfactorily. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

AAP/EEO Statement

Prism Bank is an Equal Employment Opportunity Employer. Employment decisions are made without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or other characteristics protected by law