What are the responsibilities and job description for the Senior Credit Analyst, Credit Officer position at Lowell Five Bank?
ABOUT LOWELL FIVE
With nearly $1.7 billion in assets, over 200 employees, and 15 banking center locations throughout the Merrimack Valley and Southern New Hampshire, Lowell Five is honored to play a vital role in the economic vitality of the region. We provide support of, and our employees are engaged in, a myriad of leadership roles for numerous community boards and organizations. We are proud of the longevity of our employees and we are committed to finding new talent for our team. We offer career development and educational programs to support personal and professional growth along with a benefit package that supports each employee’s best life. For more information, please visit www.lowellfive.com.
ESSENTIAL DUTIES AND REPSONSIBILITES
- Credit analysis and assessment of moderate to complex and/or existing customers to support proposed loans or annual renewals as requested by the Loan Officers or as needed for compliance with submission of loans to the Loan Committee and/or Executive Committee
- Spreading financial statement data and analysis of resulting spreadsheets, including documenting findings, observations, and conclusions regarding the financial health and cash flow capacity of the business and/or borrower(s) and guarantor(s)
- Research and documentation of moderate to complex credit issues that arise regarding existing borrowers and/or loan relationships
- Prepare annual review and/or renewal of relationships in the Bank’s existing portfolio
- Perform additional responsibilities as requested.
Please note this job description is not designed to cover a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change over time.
REQUIREMENTS
- Strong understanding of commercial lending, financial analysis, and business structure is essential
- Underwriting experience, including but not limited to construction loans preferred
- Ability to analyze, document, and clearly present findings
- Highly detail-oriented with excellent organizational skills
- Ability to multi-task and assimilate knowledge and experience
- Sound working knowledge of various computer programs and software applications, including Microsoft Office Suite, Sageworks and Fiserv DNA platform.
