What are the responsibilities and job description for the Credit Analyst position at Oxford Bank?
Job Summary
Oxford Bank has created a unique approach to the loan process for our Business Banking clients. Business Credit team members play a significant role in our business banking process. We work in tandem with our relationship managers and are responsible for delivering the very best in client experience throughout loan collection, underwriting, closing and servicing.
We have built and work in a parallel processing system, within which all team members build relationships with our clients. This engagement highlights the impact and importance of our work as partners within our organization. Oxford Bank knows that this team is a competitive advantage that we offer our clients, and we believe this is a competitive advantage when recruiting team members.
Our Associates focus will be to support our Underwriting team in driving the loan approval process. Additionally, through your work as a Credit Analyst, you will have the opportunity to experience other aspects of project management, loan documentation, portfolio management, and sales.
Primary Responsibilities
Interacting with underwriting team in analyzing client financial data
Creating spreads using Oxford Banks spreading software based on financial information provided by clients
Managing underwriting process from start to finish for commercial loans under $500,000
Performing annual reviews of commercial loans by analyzing financial information obtained from clients
Supporting portfolio management projects
Including tracking and updating client information and loan covenants
Supporting projects within Business Credit
Responsibilities of all Business Credit Team Members
Being an active participant in team meetings
Exercising discretion in handling sensitive and confidential information
Understanding their role and their team members roles in risk mitigation
Identifying solutions for areas of improvement
Having open and honest communications that serve to improve our team
Basic PC skills to include working knowledge of MS Office applications such as Word and Excel
Other Duties as assigned
Qualification and Skills
Business Credit team members are proactive, process-oriented, analytical, creative and highly engaged with their work, their team members and their internal and external clients. Successful team members are detail-oriented, effective communicators, comfortable with cloud-based technologies, and are successful in handling multiple priorities in a fast-paced environment.
Education and Experience
Bachelors degree in finance, accounting, or economics
*This position will comply with all BSA compliance laws and regulations including the Banks BSA policy and procedures.
Additional Information
Department: Business Credit Reports to: Business Credit Department Leader Travel: N/A
Classification: Exempt Employment Type: Full-time Supervises: None
Oxford Bank is an equal opportunity employer and is committed to providing equal employment opportunities and an environment free of discrimination and harassment. All employment decisions at Oxford Bank are made without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, veteran or disability status.
Salary : $500,000
