Credit Analyst

Equal Opportunity Employer, including Disability/Vets

Summary Description

Develops, analyzes, and reports financial background information to Commercial Loan Officers. Provides credit information to approved outside sources. Develops and maintains credit information for use by Loan Officers in the making of lending decisions of new, renewal or extension loans. Provides credit information to approved recipients.

Essential Functions

• Performs financial analyses on credits over $1,000,000.
• Tracks and follows up on financial statements, loan structures and interpretation of credit policies.
• Prepares credit memorandums and loan write-ups.
• Performs personal tax return analyses.
• Calls on customers with Loan Officers.

Position Requirements

• Degree in Business Administration with a concentration in accounting, finance or management..
• Preferably 1-3 years experience as a Credit Analyst.
• Thorough knowledge of current lending and loan review regulations and banking regulations, procedures and operations.
• Ability to analyze and interpret financial statements.
• Work is generally performed indoors in environmentally controlled conditions
• Typically the employee may sit to perform the work. However, there may be some standing, walking, bending and carrying of light items in the course of the work.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions

Critical Skills / Expertise

• Strong attention to detail.
• Knowledge of basic office software.
• Good communication skills.