What are the responsibilities and job description for the Credit Analyst I position at Tri City National Bank?
Overview:
The credit analyst’s responsibilities include analyzing the financial information of persons or companies to determine creditworthiness and performing ongoing monitoring of borrowers to assess the risk of default and make informed lending decisions.
Why Join Us:
Equal Opportunity Employer/Veterans/Disabled
Reasonable Accommodation
(**Must be 21 to enroll in 401(k), and must work an average of 20 hours per week in order to be eligible for paid vacation.)
Invest In You! Tri City National Bank is not just a bank; it's your community banking partner, deeply committed to prioritizing customers, building strong relationships, and fostering a sense of belonging. Our team-oriented environment offers exceptional opportunities for personal and professional growth, celebrating success, and providing excellent benefits along the way. We believe in unparalleled customer service and the right banking solutions to help fulfill financial dreams and contribute to community growth.
The credit analyst’s responsibilities include analyzing the financial information of persons or companies to determine creditworthiness and performing ongoing monitoring of borrowers to assess the risk of default and make informed lending decisions.
Compensation: $18.00 - $26.00 per hour depending on experience.
Responsibilities:
- Work collaboratively with senior credit staff and commercial loan officers, collect data from existing and potential borrowers, determine appropriate loan structures and highlight appropriate questions and additional information that the bank may seek before considering approval.
- Evaluate clients’ credit data and financial statements to determine the risk involved in lending money to them.
- Evaluate the financial status of clients by producing financial ratios using software tools.
- Prepare clear and well-supported reports summarizing the strengths and weaknesses of loan applicants and providing a recommendation to the approving officer or Senior Loan Committee.
- Assist in ongoing monitoring of individual commercial loan relationships and portfolio risk.
- Other duties as assigned.
- Excellent written and oral communication skills.
- Professional demeanor, personal integrity and an understanding of fiduciary responsibility.
- Ability to multi-task and manage time effectively.
- Self-motivated, curious, confident, detail-oriented, and analytical.
- Real estate experience is a plus.
- Knowledge of applicable banking regulations, bank policies, and practices.
- Experience with Small Business Administration loan programs is a plus.
- Familiarity with Abrigo/Sageworks Credit Analysis software is a plus.
Why Join Us:
- Community Impact: Be part of a local bank deeply rooted in community values, contributing to the growth and prosperity of our neighborhoods.
- Innovation: Embrace a dynamic and evolving work environment that encourages fresh perspectives and continuous learning.
- Career Growth: Unlock future opportunities for personal and professional development as you navigate through our Pathways for Success.
- Celebration of Success: Join a team that values and celebrates individual and collective achievements.
- Work Life Balance: No early mornings or late nights, enjoy a predictable schedule with major holidays off.
- Great Employee Benefits that start on the 1st of the month after your hire date!
- Part-Time:
- 401(k) with company match**
- Up to 20 hours of paid vacation after 3 months
- Full-Time:
- 401(k) with company match
- Tuition reimbursement
- Medical, dental, and vision coverage
- Paid vacation and more!
Equal Opportunity Employer/Veterans/Disabled
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.
Reasonable Accommodation
If you are an individual with a disability and would like to request a reasonable accommodation as part of the employment selection process, please contact Human Resources at 414-761-1610 or hr2@tcnb.com
(**Must be 21 to enroll in 401(k), and must work an average of 20 hours per week in order to be eligible for paid vacation.)
Salary : $18 - $26
