Fleetwood Bank, the only independent community bank headquartered in Berks County, is seeking a qualified Sr. Credit Analyst to join our team! This is a vital role that involves assessing the creditworthiness of individuals and businesses to determine their ability to repay loans or credit obligations. Your expertise in financial analysis and risk assessment will help the financial team make informed and strategic decisions regarding credit approvals and limits. This role requires excellent analytical skills, attention to detail, and strong knowledge of financial principles and regulations.

The selected individual will thrive in an environment where hospitality and community impact are at the core of what we do!

Responsibilities:

• Conduct thorough analysis of financial statements, credit reports, and other relevant data to assess the creditworthiness of individuals and businesses.
• Evaluate the financial health of borrowers by analyzing their income, debt levels, and liquidity.
• Prepare and monitor watch loan data.
• Assess the risk associated with extending credit and make recommendations for credit approvals or rejections.
• Monitor and manage the credit exposure of existing borrowers by reviewing financial statements and conducting periodic risk assessments.
• Stay updated on industry trends, economic indicators, and regulatory changes that may impact credit risk.
• Collaborate with other departments, such as sales and underwriting, to gather and analyze necessary information for credit evaluations.
• Provide guidance and support to credit analyst in their analysis and decision-making processes.
• Ensure compliance with applicable federal, state, and local laws and regulations. Maintain knowledge of and adhere to internal compliance policies and procedures.

Qualifications:

• Strong analytical, problem-solving and organizational skills, with the ability to analyze financial data and draw accurate conclusions with close attention to detail.
• Excellent written and verbal communication skills, with the ability to present complex financial information in a clear and concise manner.
• Attention to detail and high level of accuracy in analyzing and interpreting financial data.
• Ability to work independently and manage multiple priorities in a fast-paced, deadline-driven environment.
• Strong interpersonal skills, with the ability to build and maintain effective relationships with clients and internal stakeholders.
• Sound judgment and decision-making abilities, with the ability to assess risks and make recommendations accordingly.
• Proficient in Microsoft Office Suite, particularly Excel, for financial analysis and reporting purposes.
• Strong ethical standards and adherence to confidentiality requirements.

Required Qualifications:

• Bachelor's degree in finance, accounting, or a related field is preferred
• Minimum of 5 years of experience as a Credit Analyst, preferably in a senior or leadership role.
• Proven track record of successful credit analysis and risk assessment in a similar role.
• Experience in working with commercial credit portfolios.
• Demonstrated ability to work effectively within a team and collaborate with cross-functional stakeholders.

Excellent Benefit Package, including company paid health insurance and generous Paid Time Off (PTO)