Credit Analyst

Job Description

• Preparation of various loan system reports, including those that are submitted to the Board of Directors on a monthly basis.
• Preparation of technical exception reports, non‑conforming loan reports, etc., for the eventual benefit of loan officers and Board of Directors.
• Responsible for completing financial analysis reviews assigned and loan proposals.
• Follow‑up to ensure timely responses to the recommendations and the resolution and/or implementation of the same.
• Responsible for the entering of financial statement tracking, which includes entering information into the tracking system and also into the CASH software.
• Spreading all financial statements when they are received.
• Monitor credit files to ensure adequacy of documentation and timeliness of financial statements.
• Generate letters on a timely basis requesting current financial statements from customers.
• Review all downgraded loans to ensure we have proper real estate valuations in each file.
• Order re‑evaluations as deemed necessary.
• Review and update loan documentation as required per loan policies and bank regulations.
• Keep abreast of changes in regulation and procedures that affect loan documentation and compliance.
• Assist with the appraisal process; including but not limited to ordering appraisals, reviewing appraisals, and maintaining communication between bank and vendors.
• Perform various compliance related audits and projects as assigned.
• Attend training sessions to learn about the regulations that pertain to commercial loans and train other commercial loan personnel about the changes in regulations as they occur.
• Examine files systematically for adequacy of credit and/or deficiencies and report examination results to the supervisor, other officers or management as requested.
• Assist external and internal auditors in their reviews.
• Provide support to commercial lending staff and officers as needed.

• Knowledge, skill and mental development equivalent to the completion of a bachelor’s degree (in the field of business), which includes specific courses in accounting and finance.
• One year of bank audit experience and knowledge of bank credit review, audit and/or compliance procedures and policies.
• Strong computer software knowledge and skills with word processing and spreadsheet software, preferably Word and Excel.
• Good verbal communication skills, evidenced by the ability to interact both face‑to‑face and over the telephone with examiners, consultants, auditors, customers and co‑workers.
• Demonstrated ability to use tact, diplomacy, and a professional personal appearance when dealing with examiners, consultants, auditors, customers and co‑workers.
• Ability to manage multiple tasks simultaneously in a fast‑paced environment.
• Strong customer service and relations skills.
• Creativity and initiative.
• Organizational and time‑management skills.
• Analytical and problem‑solving abilities.
• Good written communication skills.
• Good proofreading and editing skills.
• Accuracy and attention to detail.
• This position is eligible for a $500 referral bonus.

Central Bank