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Credit Analyst

Posted: 03/28/2021

SUMMARY: Identifies potential credit risks associated with new and existing commercial borrowers through the financial analysis process and works collaboratively with the Commercial Lenders to mitigate these risks.

RESPONSIBILITIES:

Credit Analysis

  • Works collaboratively with the commercial lenders to provide an independent analysis of commercial borrowers in the identification and mitigation of potential credit risks; this process involves but is not limited to a thorough financial analysis, projecting cash flow and collateral evaluations
  • Provides independent input in the process of risk rating commercial borrowers
  • Responsible for annual review date tracking for commercial customers
  • Distribute reviews to lenders and monitor follow up needed based on results of assessment of the third party loan review vendor
  • Responsible for accurately completing credit analysis with basic levels of complexity

Credit Administration Duties

  • Assists in the compilation of various reports for Loan Committee and the weekly distribution of the Loan Committee packages as needed
  • Other duties as assigned

 

QUALIFICATIONS:

  • Bachelor's degree required; major in accounting or finance preferable

KNOWLEDGE, SKILLS & ABILITIES:

  • One to two years of banking or business experience preferred
  • Understanding of all Microsoft Office applications
  • Ability to handle multiple priorities and significant workload
  • Ability and willingness to produce high quantity and high quality work
  • Must have cyber security awareness to protect the digital environment, the Bank, and customers

COMPETENCIES:

  • Problem Solving
  • Verbal and Written Communication
  • Critical Thinking Skills
  • Adaptability
  • Eager Learner
  • Learning Agility