Credit Analyst

GENERAL FUNCTION OF CREDIT ANALYST

Responsible for spreading and analyzing financial statements of commercial customers which include calling lenders to collect additional financial information.

Analyst (85%)

• Prepares credit memos
• Works with Loan Review
• Spreads financial information for relationships over $500,000 on a regular basis
• Consults customers, accountants and other contacts regarding credit.
• Prepares documentation for Officer's Loan Committee and Director's Loan Committee.
• Prepares Credit Risk Rating and Global debt coverage's for lenders.

Compliance (15%)

• Complies with Regulators.
• Continually educates on regulatory issues, including various seminars and schools.
• Learns existing state federal regulatory.
• Reviews loans for compliance with regulators including real estate, retail and commercial.

• Maintains accurate department records and any other duties assigned by supervisor.

• Bachelor's degree from an accredited college with a concentration in accounting/finance preferred.
• Significant banking and lending experience may substitute for education requirement.
• No less than one year experience in a commercial lending department or credit-related department or credit-related department of a commercial bank or other commercial lender, or four years retail banking and consumer lending experience.
• A demonstrated ability to interact with customers, listen effectively, and to communicate complex issues both orally and in writing.