Bank Credit Analyst (Albuquerque, New Mexico)

BANK CREDIT ANALYST

Job Class: Non-Exempt Reports To: President or Credit Manager

Job Summary: To analyze credit data and financial statements of borrowers, firms or service providers to determine the amount of financial or credit risk the bank would be potentially taking if extending credit, lending money, or contracting services and prepare report with determinations and supporting documentation.

Required Qualifications (includes education, skills and experience): The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions._

• Bachelor’s Degree in Finance, Accounting, Economics, Business or related field or four (4) or more years of experience working in a bank loan department or 2-4 years credit analyst experience in a financial institution.
• 9 hours of accounting courses are required.

Essential Functions and Responsibilities:

• Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
• Conduct cash-flow analysis to determine if the borrower or the company would be capable of repaying the loan.
• Create the Loan Proposal Report describing the borrower, the transaction, the collateral, the financial and credit support, the potential risk involved, and explanation of the strengths and weaknesses of the credit.
• Credit Analyst may participate in the Loan Committee and/or Loan Officer discussions regarding the completed analysis.
• If revisions are made, responsible for updating the report and returning to the Loan Committee.
• Review loan administration daily work (i.e., manual transactions, booking new loans, etc…) to ensure that all are posted correctly.
• Maintain a good working knowledge of the Bank’s lending policies and procedures.
• Assist in the preparation and creation of the monthly loan reports for the Board of Directors.
• Provide excellent customer service and maintain a high level of professionalism at all times.
• Perform other duties as assigned.

Skills:

• Customer service. Extremely responsive to internal and external customer requests; exceeding customers’ expectations.
• Listening skills. Actively listens to customers and co-workers, anticipates customer needs and offer solutions.
• Communication skills. Able to clearly present issues-both orally and written.
• Critical thinking skills. Able to use logic and reason to resolve issues quickly and efficiently.
• Mathematical skills. Use basic math skills on a daily basis.
• Reading comprehension skills. Able to understand work-related written documents.
• Organization skills. Able to perform all duties in an orderly manner and with a high degree of accuracy.
• Flexibility and adaptability. Able to prioritize, make on-the-spot decisions and work well under pressure when necessary.
• Time-management skills. Able to manage various tasks and complete in order of importance while meeting all deadlines.
• Computer skills. Competence in Microsoft Excel, Word, Outlook; Windows, Internet Search applications and other software applications are applicable.
• High standards of professionalism and confidentiality due to the sensitive nature of information that is accessible.

Working Conditions and Physical Effort: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• While performing the duties of this job, the employee is regularly required to sit and talk or listen
• This position requires frequent manual dexterity in combination with eye/hand coordination such as keyboarding, handling of equipment, use of calculator, etc.
• The employee is frequently required to stand, walk, reach, bend, or kneel.
• The employee must occasionally lift and/or move up to 20 pounds
• The noise level in the work environment is usually low to moderate

Job Type: Full-time

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Health insurance
• Paid time off
• Vision insurance

Schedule:

• 8 hour shift
• Monday to Friday

Application Question(s):

• Are you local to Albuquerque, New Mexico location?
• Do you have 9 hours of accounting courses?

Education:

• Bachelor's (Preferred)

Experience:

• credit analyst/loan: 2 years (Preferred)

Work Location: In person