- Performing in-depth financial analysis (spreading and analyzing financial statements).
- Receiving data on prospective and active borrowing accounts, i.e., financial statements, tax returns, agency and credit reports, and interview and investigation sheets.
- Analyzing data and evaluates the short- and long-run prospects of the individual or company.
- Making recommendations to appropriate personnel on the granting or denying of loans.
- Preparing sufficient information to document recommendations, if assigned to a lending function.
- Suggesting a loan grade after conducting a thorough credit analysis and documentation review.
- Ensuring that all credit analysis activities are conducted in accordance with prescribed lending policy.
- Providing thorough documentation of all financial analysis work, including ratios, cash flow, and collateral analysis, and other related information.
- Accompanying Commercial Lenders on customer’s meetings when needed.
- Providing leadership, on-the-job training, and technical guidance to the other credit analysts.
- All other duties assigned.
- Bachelor’s Degree in a related field of study preferred specialized financial analysis training.
- Five or more years of experience as a Credit Analyst required.
- Experienced in preparing credit presentations.
- Able to manage/process/track annual reviews of the necessary credits.
- Thorough knowledge of current lending and loan review regulations and banking regulations, procedures, and operations.
- Proficient ability to analyze and interpret financial statements.
- Excellent written and verbal communication skills.
- Strong organizational skills with an eye for detail.
- Ability to multi-task.
- Adept with spreadsheet and word processing software as well as have experience working in a digital office environment.
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