Responsible for the completion of loan credit analysis for new and existing projects by performing the following duties.

Outcomes and Responsibilities (Other duties may be assigned)

• Responsible for tracking and maintaining current financial information for commercial relationships.
• Prepare spreadsheets and written financial analysis reports on customers’ financial data to assist lenders and management in making informed credit decisions.
• Learn to prepare written analysis on all commercial loans, large aggregate lending to one borrower, complex loans, and weak loans within 6 months of date of hire. Report results to the appropriate lending officer or department supervisor as applicable.
• Audit files systematically for adequacy of credit and/or deficiencies; report audit results to the Chief Lending Officer as requested.
• Responsible for the determination of loan rating reviews and watch list presentations for the loan loss reserve adequacy reviews.
• Prepare technical exception reports, non-conforming loan reports, concentration of credit, etc. for dissemination to the appropriate lending officer.
• Prepare property appraisal review reports.
• Maintain watch list and include said list in the monitoring and production of the Current Expected Credit Losses and Allowance for Loan Loss & Lease Reserve (ALLL), including reporting said Executive Committee quarterly for recommendation of the quarterly reserve adjustment needed.
• Monitoring new applications, contracts, and limits for ACH and RDC customers.
• Assist with loan quality control audits on consumer loans.
• Assist with the preparation for examinations and external audits.
• Attend loan committee meetings on a regular basis.

Qualifications and Education Requirements

• High school diploma or general education degree (GED).
• 2-5 years related banking experience and/or training preferred.
• Or equivalent combination of education and experience.

Required Skills

• Must be a self-starter who can complete tasks with little-to-no supervision. Must demonstrate a team-first attitude and voluntarily answer phone calls, respond to emails, and complete variable tasks.
• Reading and interpreting various documents and policies, writing reports, and communicating effectively and appropriately with colleagues and customers.
• Strong fundamental mathematical skills and attention to detail.
• Problem solving and troubleshooting practical problems.
• Ability to learn new tools, software, and equipment at a fast pace.

Essential Functions

• While performing the duties of this job, the employee is regularly required to stand and talk or hear. The employee frequently is required to walk; use hands to finger, handle or feel; and reach with hands and arms. The employee is occasionally required to sit; climb or balance; and stoop, kneel, crouch or crawl. The employee must occasionally lift and/or move up to 50 pounds.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Work Environment

• Indoor climate controlled.
• The noise level is typically moderate.
• Breaks are allowed throughout the day.
• Close proximity to other co-workers and customers may be occasionally required.

Corporate Values and Expectations - Five to Thrive

• Impressive Customer Experience - creating a positive and memorable experience for the customer that makes them feel valued and appreciated. building strong relationships with customers and demonstrating a genuine commitment to their satisfaction and success.
• World Class Employee Development - helping employees acquire new skills, knowledge, and competencies to succeed in their current role and prepare for future career opportunities.
• Uncommon Ownership - taking personal responsibility for one's work, actions, and outcomes, and treating the organization's goals and resources as if they were one's own.
• Community Champions - actively and passionately advocating for the needs and interests of a community and working to build stronger and more vibrant communities.
• Healthy Habits - regularly practicing behaviors that promote physical, mental, and emotional well-being.