Description

ONLY COMPLETED APPLICATIONS WILL BE CONSIDERED FOR AN INTERVIEW 

Job Description:

This position is responsible for analyzing complex companies and industries and presenting findings to Bank and/or Board Loan Committee. Functions include: conducting complex credit investigations and analyzing diverse credit information for loans; analyzing/formalizing documentation of loan transactions and/or credit history of customers; assisting in preparation of credit memorandums for presentation to lending officers and/or approval committees; performing research/analysis related to projects such as industry or market studies. This position reports to the SVP Senior Credit Officer.

Primary Responsibilities/Duties

• Review and analyze personal and business financial statements and tax returns to determine financial condition of borrower
• Generate financial ratios, using computer programs, to evaluate customers’ financial status
• Scrutinize financial data such as income growth, management quality, and market share
• Compile reports regarding finance and credit data
• Compare liquidity, profitability, and credit histories of individual or company being evaluated with similar establishments to determine risk
• Monitor Loan Covenants to ensure compliance
• Monitor and analyze on-going financial information to access any deterioration in credit
• Other responsibilities and duties as assigned

Qualifications

Required Skills/Qualifications

• Must be a team player and have the willingness to help associates

• Customer service skills

• Strong organization, planning, prioritization and detail orientation skills

• Professional and polished demeanor

• Demonstrate initiative and problem solving skills

• Excellent verbal and written communication skills

• Excellent time management skills with a demonstrated ability to multi-task, follow through on commitments, meet deadlines and drive results

• Proven ability to effectively interact with and forge relationship with employees and customers at all levels of the organization

• Resourceful, proactive, assertive, energetic; takes initiative and efficient

• Intermediate Microsoft Office Skills; Outlook, Word and Excel and other analytical programs

• Ability to work well under pressure and within tight time constraints, including the ability to work overtime if required

• Have a curious mind and be inquisitive

Desired Skills/Qualifications

• Three years loan experience, preferably as a credit analyst reviewing commercial credits

• A degree in finance, accounting, or business

• Experience within the banking, financial services or other industries that require analysis of financial information