CREDIT ANALYST

Description

Summary: The Credit Analyst works closely with other credit analysts, Senior Management / Loan Committees and is responsible for analyzing credits in preparing summary reports for credit relationships that meet the bank’s requirements for Loan Committee review. In addition, a Credit Analyst must be familiar with the bank’s lending policies and procedures; preparing monthly reports for senior management team.

Essential Duties and Responsibilities include the following: (Other duties may be assigned)

The Credit Analyst will assist loan officers and Loan Committee by having working knowledge and the ability of the following:

• Develops credit summary information for use by lending officers or committees in making lending decisions on new, renewal, and extension loans. 

• Reviews all pertinent credit and financial information, including reporting services, credit bureaus.

• Determines the need for more thorough investigation or additional information, and contacts appropriate sources for such information.

• Analyzes financial statements (historical, budget, and projected financials) and related materials.

• Prepares summary, presents facts, and offers opinions concerning credit worthiness and ability to service debt to loan officers or committees.

• Periodically reviews all credit, loan and collateral files to ensure that information is current and reports any difficulties to the loan officers.  Monitors files to assure that up-to-date financial statements, accounts receivable, aging and other items are available for all credits requiring such information and reports to the interested party.

• Assist in other credit risk management functions such as loan review, construction loan monitoring, borrower base review, and other related items.

All employees are required to attend training as required by GPB as well as support the overall compliance program by complying with all laws, policies and procedures.

Qualifications

Supervisory Responsibilities                                                            

This job has no supervisory responsibilities.

Education and/or Experience                                                           

Bachelor's degree in a related field, such as finance or business administration; or related banking experience in a commercial credit analyst role and/or training; or equivalent combination of education and experience. Preferred previous experience with CRE and C&I with demonstrable understanding of CAPEX, EBITDA, CAP rate and other financial analysis functions. Position may be filled as a Credit Analyst II or III based off of education, experience or combination of both.

Ability                                                          

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

Skills                                                            

Ability to read, analyze, and interpret technical procedures and/or governmental regulations.  Ability to write reports, business correspondence, and procedure manuals.  Ability to effectively present information and respond to questions from other employees, customers and the general public. Ability to calculate basic math figures and amounts. Ability to apply concepts of basic algebra and geometry. To perform this job successfully, an individual should have knowledge of Microsoft Internet Explorer and Microsoft Office software.

Physical Demands

This position may require long periods of standing or sitting and may include long periods of typing and repetitive motion. Candidates must possess the ability to lift and carry cash drawers, coin bags, and boxes sometimes weighing as much as 25 pounds. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The environment would be consistent with a typical business office with moderate noise, services open to the public and the ability to work in a confined area typically indoors.

We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity, status as a veteran, and basis of disability or any other federal, state or location protected class.