Credit Analyst

Essential Functions

Work independently and ensure loan recaps are in compliance with the bank’s policies and procedures with authority to determine if and when policy exceptions are acceptable.

Complete non-board level recaps with minimal supervision 

Spread and analyze financial statements to determine repayment ability of C&I and commercial real estate loans. 

Prepare written credit memorandums that include a detailed financial analysis of business and personal financial statements, fully assessing overall credit strengths and weaknesses. 

Exercise good judgment when determining areas of focus while reviewing financial statements and ensure adequate analysis while arriving at an independent recommendation for loan approval.

Ensure loan requests are prioritized and deadlines are consistently met. 

Determine if financial documentation provided is acceptable to proceed with loan request.

Take accountability and ownership for the accuracy and quality of their work. 

Monitor the loan portfolio’s financial tracking reports.

Prepare spreadsheets, reports, summaries, and opinions for lenders on new, renewal and existing loans.

Report to the Credit Officer findings that may have an adverse effect on loan collateral or a borrower’s ability to repay the loan.  Will be responsible for submitting required reports as necessary.

Completes special projects as needed.

Attend site visits with loan officers as needed.

Take the initiative to follow-up, escalate, or seek additional resources to ensure customer satisfaction in a timely manner. 

Competencies

Financial Management.

Personal Effectiveness/Credibility.

Problem Solving/Analysis.

Presentation Skills.

Technical Capacity. 

Work Environment

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers and phones.

Physical Demands

Prolonged periods of sitting at a desk and working on a computer.

Must be able to lift up to 15 pounds at times.

Position Type and Expected Hours of Work

This is a full-time exempt position. Days and hours of work are Monday through Friday, 8 a.m. to 5 p.m.  This is an onsite position.

Travel

This position requires minimal local travel for meetings.

Required Education and Experience

3+ years of commercial credit analysis experience 

Bachelor’s degree in finance or accounting, or related field

Proficiency with financial spreading software

Strong understanding of commercial credit

Effective, professional written and verbal communication

Models positive and supportive behavior

Delivers excellent customer service.

Strong attention to detail

Strong problem-solving skills

Professional demeanor