Credit Analyst, Multiple Levels

• Approving the extension of credit and/or making recommendations for lending decisions
• Conducting a complete credit analysis on business banking clients
• Evaluating financial statements, cash flow, collateral, industry trends, and repayment capacity
• Identifying, evaluating, and determining the course of action on credit quality issues
• Supporting relationship managers and business banking partners
• Using technological tools to assist in credit analysis

• Bachelor’s degree, or equivalent work experience
• Typically four or more years of relevant experience for Credit Analyst 4
• Typically five or more years of relevant experience for Credit Analyst 5
• Strong credit analysis and analytical skills
• Thorough knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis
• Background in economics, accounting, and/or finance
• Effective technical report writing skills
• Effective verbal and written communication skills
• Proficient computer navigation skills using a variety of software packages
• Master's degree or CPA certification is preferred

Demonstrates expertise in credit analysis, including evaluating financial statements and assessing credit quality issues. Proficient in technical report writing and effective communication to support business banking operations.

• Credit Analysis
• Financial Statement Evaluation
• Risk Analysis
• Technical Report Writing
• Communication Skills

• Credit Analysis
• Risk Analysis
• Financial Statement Evaluation
• Credit Administration
• Credit Policy Knowledge
• Analytical Skills
• Cash Flow Analysis
• Collateral Assessment
• Repayment Capacity Evaluation
• Industry Trend Analysis

• Effective Communication
• Analytical Thinking

• CPA Certification
• Master's Degree

• Business Banking
• Credit Quality Issues
• Lending Decisions
• Credit Policy
• Economic Analysis

• Credit Analysis Software
• Financial Analysis Tools