Credit Analyst

Job Classification:
Full-Time, Non-Exempt.

Reports to:

Asst Credit Risk Officer.

The Credit Analyst must demonstrate and promote integrity, ethics, and professionalism in all core competencies (such as audits, risk management, accuracy, and documentation) within the bank. Analyzes credit data to estimate degree of risk involved in extending credit or lending money to firms or individuals and supports credit lending decisions by analyzing customer's financial condition and ability to pay.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Prepares loan presentation and other relevant credit presentations to management and Board committees. The analyst is responsible for verbally presenting relevant credit materials and incorporating any meaningful feedback and constructive criticism into final presentation, as needed.
• Underwrites and recommends disposition of credit requests of the Bank in specific written form and in compliance with Bank policies after reviewing and evaluating all available sources of financial, credit and collateral information.
• Reviews financial and collateral data on existing borrowing relationships, analyzing risk factors for annual portfolio reviews.
• Studies economic trends in firm's industry or branch of industry to predict probable success of new customer.
• Visits establishments to determine condition of plant and equipment and compare methods of operation with accepted practices in industry.
• Evaluates results of investigations, prepares reports of findings, and suggests credit limitations to management.
• Contacts banks, trade and credit associations, salespeople, and others to obtain credit information.
• Maintains database of customer credit histories. Consults with management to assist in corporate planning.
• Interfaces with Loan Officers professionally and effectively without delay.
• Maintains and secures client credit files both electronically and on paper.
• Manages and reports application status for loans and managing the denied and withdrawn loan process for the Bank.
• Maintains customer confidence and protects operations by keeping information confidential.
• Promotes business for the bank by maintaining good customer relations (internal and external) and referring customers to the appropriate staff for new services.
• Complies with Federal, State, and local legal requirements by studying existing and new laws; enforcing adherence to requirements; and advising management on needed actions.
• Complies with all established bank policies and procedures.
• Performs other related duties as necessary or assigned.

• Must have excellent analysis, observation and decision-making skills, using relevant information and individual judgment to determine whether transactions, events or processes within scope of authority comply with laws, regulations or Bank standards.
• Must be able to work independently and complete assigned projects with minimal supervision.
• Must possess good organizational skills and must be very detailed oriented.
• Familiarity with, and the ability to utilize, online research tools and other computer programs such as word processing, spreadsheet and database software programs.
• Ability to read, analyze and interpret documents such as rules, government regulations, operating instructions and procedure manuals.
• Able to identify and resolve problems in a timely manner, gathering and analyzing information skillfully.
• Should possess excellent interpersonal and communication skills for maintaining effective relationships with officers, employees, and members of the business and civic community.
• Demonstrates persistence and overcomes obstacles.

• Bachelor’s degree in Finance, Accounting, Business Administration, or related fields, is required.
• Two years of banking experience in underwriting and portfolio management preferred.
• Ability to write routine correspondence and communicate effectively and tactfully, orally and in writing…