Credit Analyst
- Investigating all available sources of credit and financial information, including reporting services, credit bureaus, other companies, bank references, and in-house credit information.
- Spreading and analyzing financial statements and related material using the appropriate software programs.
- Under supervision, preparing summaries, presenting facts, and offering opinions concerning credit worthiness.
- Summarize conclusions in Loan Presentations and Loan Reviews.
- Conduct analysis of the market (customers) and industry (competition, suppliers, and potential new entrants) and management teams.
- Assist with special projects and reporting assignments in Credit Administration.
- Know and understand Bank/Credit policies and procedures.
- To provide computer support, including data entry, in the maintenance of the loan analysis systems.
- Understand new and pending laws and regulations that affects the organization’s credit practices.
- Participate in the ongoing development of commercial credit policies and procedures that safeguard the Bank.
- To provide and maintain reporting requirements on Bank customers’ credit obligations.
- Recommend risk grade changes.
- Complete Loan Reviews as directed by Lead Loan Review Analyst or Credit Administration Manager.
- One to Three years of commercial credit and lending experience.
- Business, finance, accounting major preferred, other majors with a business minor also acceptable; or equivalent experience.
- A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature. Work may involve motivating or influencing others. Outside contacts become important and fostering sound relationships with other entities becomes necessary.
- Knowledge of banking industry practices relative to commercial banking.
- High level of analytical ability
- Strong written, verbal and interpersonal skills; ability to maintain confidentiality of information, as appropriate.
- Understanding of the components of financial statements and personal/corporate tax returns.
- Proficiency with Microsoft Office products (Word, Excel, Access, Power Point, etc.) and financial statement spreading software is required.
- A high level of initiative, thoroughness, accuracy and organizational skills required.
- Detail oriented with effective judgment and time management.
- Work involves eye strain due to the frequent use of computer screens, reading of reports, entering information into a spreadsheet, and so forth.
- Work involves sitting the majority of the day.
- Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions
- Work involves lifting and moving loan files of up to 15 lbs.
- Work involves some travel, independently and with loan officers, to consult on financial loan information, training, meetings and so forth.
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