Jr. Credit Analyst

Basic Function

Review, analyze and document customer financial condition and repayment capacity.

• Assess credit risk.
• Support underwriting and due diligence for credit transactions
• Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
• Analyze customer financial statements.
• Prepare reports that include the degree of risk involved in extending credit or lending money.
• Complete credit analyses and summarize requests and submit to loan committees for approval.
• Generate financial ratios, using computer programs, to evaluate customer status.
• Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
• Consult with customers, accountants, and other professionals to verify financial and credit information.
• Participate in major department projects and take an active role in cross‑functional teams to assist in driving quality improvements, processes, and initiatives.
• Actively participate and communicate in team‑based work groups that make up Credit Department.
• Mentorship and credit review of Jr. Analyst and/or other specified individuals.

• Organizational and Research skills
• Good communication skills to convey information effectively
• Detail orientated
• Flexibility and ability to multi‑task
• Critical thinking
• Basic accounting and finance principles in the interpretation of customer financial statements.
• Effective business writing and professional communication.

• Sitting for long periods of time
• Lift 10-20lbs periodically
• Periodic travel

• Bachelor’s degree in Accounting/Finance preferred.
• 3+ years of prior experience in Financial Analysis required.
• 3‑5 years knowledge with computer technology including, but not limited to Microsoft Office, Word, Excel, Power Point, E‑Mail, and internet navigation.
• Maintain up‑to‑date knowledge of and adhere to all state and federal regulations that pertain to this position including but not limited to Bank Secrecy Act, Consumer Privacy and Fair Lending.
• Working knowledge of state and federal regulations including but not limited to Bank Secrecy Act, Consumer Privacy and Fair Lending along with industry best practices that pertain to this position.