What are the responsibilities and job description for the Junior Credit Analyst position at LCNB National Bank?
Position Description
Junior Credit Analyst
Identifying Information:
- Department: Commercial Credit
- Reports To: Jeremy Quinn, VP Senior Credit Analyst
- Status: Full-time Hourly Non-Exempt
- Location: LCNB Operations Center, Lebanon, OH
- Hours: Monday – Friday 8:00am – 5:00pm
Position Purpose:
LCNB National Bank is seeking a Junior Credit Analyst to join our Commercial Credit Department. This position is responsible for assisting Credit Analysts and Commercial Loan Officers with credit and loan tracking activities for new and renewed commercial loan requests. The Junior Credit Analyst will assist in verifying that loan requests conform to bank established lending policies and prudent lending practices. The role will also work with the Director of Commercial Credit Analysis in reference to portfolio management and administrative duties.
Essential Functions and Responsibilities:
- Financial statement spreading for loan officers and credit analysts
- Assist with portfolio management activities such as financial statement tracking and covenant tracking
- Confirm that all financial information included in the loan presentation memo reviewed by the loan committee is indexed in the document management system
- Work with loan officers to help with timely financial statement collection and uploading to document management system
- Monitor adherence to loan approval requirements and loan policy
- Additional duties as assigned
Required Competencies/Skills:
- Minimum of an associate’s degree or higher in Finance or Accounting
Desired Competencies/Skills:
- Strong analytical skills with high attention to detail
- Strong organizational, multi-tasking, and prioritizing skills to meet deadlines
- Ability to exercise good judgment and effectively problem solve
- Ability to communicate and collaborate with loan officers and credit analysts
- Strong verbal, written, and interpersonal communication skills
- Desire to learn and grow, willingness to accept feedback
- Ability to work independently with a sense of urgency
- Effective Microsoft Office Suite skills
- Ability to read, analyze and interpret policies, contracts, financial documents and other legal documents as needed
- Ability to understand and interpret various financial data and the impacts to customers
Working Conditions:
- Ability to remain in a stationary position up to 75% of the time
- Ability to lift and carry up to 10 lbs.
- Occasionally move/traverse to access files and equipment
- Constantly operates a computer and other office equipment
Compliance Statement:
The associate is responsible for meeting all compliance requirements imposed on LCNB National Bank by State and Federal law and regulations, as well as all related LCNB National Bank policies and procedures. Incumbent must be able to perform the essential functions of the position with or without reasonable accommodation. Equal Opportunity Employer/Disability/Veterans.
