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