Senior Credit Analyst / Credit Manager

Come Join a Team that is Working Together to Enhance the Lives of our Colleagues, Customers and the Community Every Day!

Summary: 

This position is primarily responsible for oversight of the credit analyst team and reviewing the credit worthiness of commercial and consumer borrowers through financial analysis.  The Credit Analyst Manager is responsible for credit analysis of the most complex and largest credit exposures. 

Duties and Responsibilities:

• Organize and staff the credit administration function effectively and build a qualified, capable and results-oriented team.  
• Oversee pipeline management process 
• Maintain appropriate risk management, internal control and compliance systems in the credit administration function.
• Oversight and management of the Credit Analyst team, including staff performance management.
• Analyze financial and related data to determine creditworthiness of the prospective customers and the merits of the loan request for commercial borrowers and to monitor trends in performance.   
• Underwrite or provide analysis of the most complex and large credit exposure deals.
• Ensure approval packages are complete, accurate and in accordance with the lending policy.
• Maintains credit files on-going to ensure that background and historical data, financial statements, tax returns, loan commitments, collateral, correspondence, and other supporting documents are included and current.
• Maintains a positive and productive working relationship with all members of management, loan officers and Bank staff.
• Adheres to Bank policies and procedures required by federal and state statutes, laws and regulatory rules. 
• Adheres to Company’s Safety and Security Policies and Procedures.
• Adheres to Company’s behavioral standards and Core Values, which are Trust, Customer Commitment, Teamwork, Excellence and Performance.
• Performs other duties as assigned by management.

 Qualifications (Knowledge, Skills, Abilities, Education and Experience):

• Degree in Accounting, Finance or related field strongly preferred, or equivalent experience required.
• Minimum of eight years’ experience in commercial credit analysis or related credit risk management.
• Supervisory experience required.
• Previous Banking experience strongly preferred.
• Expert knowledge and understanding of commercial and consumer loan documentation and third party due diligence, such as real estate appraisals and environmental reports
• Ability to analyze financial reports and statements
• Proficient computer skills including use of Microsoft Office (Word, Excel, & Outlook)
• Excellent listening, verbal and written communication skills.
• Familiarity with related laws and compliance administration.
• Strong organizational, mathematical and problem-solving skills
• Detailed oriented, ability to manage priorities and workflow.
• Ability to maintain confidentiality.
• Solid analytical skills with a background in loan underwriting, administration, and operations desired.

Physical Demands and Work Environment:

• Mobility sufficient to perform activities required of position, including travel to branch locations
• Manual dexterity for the functional operation of office equipment, such as computers, calculators, etc.
• Ability to actively engage in necessary communications with both internal and external customers.

Company Benefit Offerings for eligible employees:

• Medical, Dental and Vision insurance offered 1^st of the month following 30 days of employment 
• Paid Time Off (PTO) starts at 3 weeks per calendar year (prorated for new hires based on start date)
• 12 Paid Holidays (including Birthday) 
• 401K retirement plan with up to a 4% Company match and immediate vesting
• Tuition Reimbursement
• Employer paid life insurance
• Employer paid disability insurance 
• Voluntary life and disability insurance
• Employee Assistance Program
• Employee Discounts and Perks

 Compensation:

• The posted pay range for this position reflects a good faith estimate.
• Actual compensation offered may vary based on factors such as relevant experience, skills, internal equity, tenure, performance and location.

 Queenstown Bank is an Equal Opportunity Employer, including protected Veterans and individuals with Disabilities. Queenstown Bank is an E-Verify participant.