Credit Analyst | Fenton Support Center

Description

General Summary

Performs a variety of commercial loan support services, including numerous duties which facilitate and safeguard the lending function.

Reports To: Credit Analyst Team Lead

Requirements

Essential Duties and Responsibilities

• Use critical thinking to conduct thorough risk analysis of applications for commercial credit.
• Construct financial statement spreads and understand and interpret key ratios.
• Complete thorough real estate evaluations on various property types.
• Responsible for calculating risk scorecard and recommending risk ratings.
• Collect credit information for preparation of commercial loan package.
• Provide an analyzed, researched, and documented package for review by supervisor, officers, committee, or Board as appropriate.
• Maintain complete and orderly credit files on loan customers and obtains credit information on borrowers.
• Maintain various loan/departmental reports.
• Contact clients as necessary.
• Assist loan officers as requested.
• Working knowledge of and compliance with policies and procedures of the Bank.
• Additional responsibilities as assigned.
• Be familiar with and comply with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position. Complete all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.
• Be familiar with and comply with all federal and state banking regulations as applicable.

Qualifications

To perform this job successfully, an Individual in this position must be able to perform each of the above essential duties satisfactorily and exhibit the values of the Company. In addition, the requirements listed below are representative of the knowledge, skill and/or ability required.

Experience and/or Education

• Bachelor's Degree in finance, accounting or other related field required.
• Minimum of one (1) year commercial loan experience preferred (SBA, FSA, participation, and construction knowledge helpful).

Competencies

In addition to the Corporate Core Competencies, individuals in this position are expected to exhibit the following:

Communication – Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; demonstrates group presentation skills; participates in meetings. Writes clearly and informatively; edits work for spelling and grammar; varies writing style to meet needs; presents numerical data accurately; able to read and interpret written information.

Analytical – Synthesizes complex and diverse information; collects and researches data; uses intuition and experience to complement data.

Technical Skills – Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others. Has a thorough understanding of underwriting, coverages and rating procedures

Quality – Demonstrates accuracy and thoroughness; monitors own work to ensure quality.

Quantity – Meets productivity standards; completes work in a timely manner; strives to increase productivity; works quickly.

Business Acumen – Understand business implications of decisions; displays orientation to profitability; demonstrates knowledge of market and competition; aligns work with strategic goals.

Physical Demands and Work Environment

Ability to work in an office environment which may include many hours of computer and telephone usage.

Ability to lift 25 lbs.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodations.