Junior Credit Analyst

Position Title:                                                                                                           Reports To:

Junior Credit Analyst                                                                                                                                 AVP, Credit Department Manager

Position summary:                                   

Under the direction of the Credit Department Manager, the Junior Credit Analyst works closely with the commercial lending officers and staff, supporting their efforts in guiding and processing loan requests for the Bank’s Officers’ Loan Committee.  Assists in performing various Credit Department duties and tasks in conformance with Bank policies and procedures.  Responsible for supporting other general and administrative departmental needs as required.    

      statements or business tax returns of commercial borrowers into computer based 

      spreadsheet program.                                                             

      industry, collateral and cash flow.

      loan proposals to be reviewed by loan officer and weekly by Officers’ Loan Committee.

• Provides additional analytical assistance to loan officers as requested.
• Supports the Bank’s credit investigation function, including credit reports and trade reports and researches and provides 3^rd party credit references for the Bank’s commercial customers.
• Assists in data accumulation to aide Departmental report requirements.
• Adheres to bank policies and procedures and performs other duties as required.

Skills and Attributes:

• Strong knowledge of accounting principles and strong analytical skills.
• Excellent written and oral communication skills.
• Proficient working knowledge of excel, word processing and other financial software applications.
• Familiarity with reading business financial statements and tax returns.                                               

Experience and Education:

PHYSICAL DEMANDS:

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 function.

While performing the duties of this job, the employee is regularly required to use hands to finger, handle or feel objects, tools or controls; reach with hands and arms; and talk or hear. The employee frequently is required to stand, walk, sit, and climb stairs. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception, and the ability to adjust focus.

WORK ENVIRONMENT:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

The noise level in the work environment is moderate.

 Non-Exempt                                                                                                                                      Rev 11-2024