Credit Analyst

Major Function:

To perform initial analysis for commercial loan requests for the purpose of recommending approval, denial, or alternative structures. Documents and tests the ongoing performance of borrowers and guarantors.

Essential Duties:

• Works closely with the Loan Officers to process requests for financing from inception through payoff, including renewals and modifications of existing loans and new requests.
• Utilizes an optical Loan Documentation system to file, store, and manage information of all types.
• Analyzes year-end and interim financial statements, including performance ratios.
• Researches industry specific information from outside sources.
• Reviews compliance with all applicable laws and regulations relating to the commercial lending function and internal loan policy.
• Prepares written commercial loan analysis in consultation with the Loan Officers.
• Works with the Loan Officers to correct documentation and collateral exceptions.
• Performs loan stress testing.
• Works with the Loan Officer to ensure required financial information from customers is processed in an accurate, timely, and consistent manner and monitors compliance with required loan covenants to ensure financial risk is managed appropriately.
• Applies established procedures for disbursing loan proceeds over the life of construction and development loans. Ensures that equity injections are tracked and received.
• Performs on-site collateral audits for existing and prospective customers preparing written audit findings and recommendations.
• Prepares reports for Management and the Board as assigned.
• Provides high level of quality service to our existing customer base.
• Assists other employees/departments/branches to promote teamwork and excellent communication.
• Other duties as assigned.

Requirements:

Education and Experience

• Bachelor’s degree in Accounting, Finance, or other business related degree preferred.

Knowledge, Skill & Abilities:

• Foundation in accounting principles as they relate to banking.
• Ability to analyze and interpret financial statements.
• Basic computer literacy with knowledge of computer software (i.e. Microsoft Windows Operating System and Office applications).
• Well organized, accurate and detail-oriented.
• Excellent verbal, non-verbal, and written communication skills.
• Ability to work under pressure and multi-task.
• Ability to work independently or in team environment.
• Strong reading, writing, and basic mathematical skills.
• Excellent customer service and interpersonal skills.
• Demonstrated analytical decision-making and problem solving skills.

Reporting to this position: No direct reports

Schedule

Regularly Monday - Friday, 8:00 a.m. - 5:00 p.m., Saturday Rotation 8:00 a.m. - 11:30 a.m.

Physical Demands & Work Environment: The physical demands and work environment characteristics 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.

• Physical demands: While performing the duties of this job, the employee is frequently required to sit. The employees will frequently use and talk on the telephone and use a computer and other office equipment.
• Work environment: While performing the duties of this job, the employee is frequently located inside an office building.

Equal Opportunity Employer (EOE)

• Our company is an equal opportunity employer. Employment here is based solely upon an individual's merit and qualifications directly related to the position. We do not discriminate on the basis of age, race, creed, color, sex, sexual orientation, gender identity, national origin, religion, disability, veteran status, or any other characteristics protected by law.