Analyst, Finance & Banking, Financial Analyst

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With direction and supervision from the Chief Banking Officer, the Analyst provides direct support to commercial Relationship Managers to develop and analyze all relevant credit information pertaining to complex commercial real estate and business loans. The Analyst prepares thorough analysis of business and personal financial statements, presents facts, and provides personal analytical opinions concerning creditworthiness of existing borrowers and prospects.

• Interact directly with the President, Chief Banking Officer, Relationship Managers, Credit Administration officers, and customers/prospects regarding commercial real estate and business loans.
• Maintain an assigned/delegate loan portfolio as the secondary Relationship Manager.
• Prepare accurate financial statement spreadsheets and debt service analysis derived from business and personal financial statements and tax returns.
• Prepare accurate credit authorizations in conjunction with Relationship Managers and present a complete and thorough analysis of existing and potential borrowers.
• Recognize and act on customer requests; develop cross‑sell opportunities with existing customers.
• Make proper referral of loan opportunities to lending personnel.
• Interact independently with customers/prospects to request financial information to complete spreading presentations and other financial analyses.
• Review loan agreement covenants for verification of the borrower’s compliance thereto.
• Accurately prepare financial projections as required.
• Maintain an accurate, up‑to‑date tracking log of all activity and credit arrangements in process.
• Collect industry information relevant to existing and proposed borrowers using internal and external sources.
• Consult with the President, the Chief Banking Officer, Relationship Managers and other Credit Administration officers on credit structure, pricing, collateral and other credit consideration issues.
• Conduct trade and reference checks on customers/prospects.
• Review documentation to ensure compliance with Bank policies and procedures.
• Perform special projects as designated by the President, Chief Banking Officer, Relationship Managers or Credit Administration officers.
• Accountable to understand and ensure regulatory and policy compliance with state and federal requirements including the Bank Secrecy Act, Anti‑Money Laundering Act, Community Reinvestment Act, OFAC Regulations and Fair Lending and all applicable bank and government regulations.
• Attend training and maintain a basic knowledge of procedures to ensure compliance with laws and regulations governing financial institutions, with an emphasis on the BSA/AML/CIP, Consumer Privacy, Regulation CC, Information Security, Bank Protection Act, FACT‑Identity Theft, Information Technology and GLBA.
• Telemarketing and external business development of new clients to the bank.
• Perform other departmental duties as assigned.

• Demonstrate high degree of professionalism in communication, attitude and teamwork with customers, peers and management.
• Demonstrate high level of quality work, attendance and appearance.
• Adhere to all Company Policies & Procedures and Safety Regulations.
• Adhere to local, state and federal laws.
• Understand and comply with all company rules and regulations.
• Attend training and maintain a basic knowledge of procedures to ensure compliance with laws and regulations governing financial institutions, with an emphasis on the BSA/AML/CIP, Consumer Privacy, Regulation CC, Information Security, Bank Protection Act, FACT‑Identity Theft, Information Technology and GLBA.
• Attend events outside of work including games and tournaments.
• Perform additional duties as assigned as it relates to the position.

• Bachelor’s degree.
• Strong, intermediate knowledge of accounting principles, tax return analysis and analytical interpretation of balance sheet and income statement analysis and cash flow.
• Strong working knowledge of Microsoft Word and Excel.
• Intermediate working knowledge…