Credit Analyst

The Credit Analyst gathers, analyzes and interprets credit information in order to assess credit quality and minimize risk and potential loss on commercial and industrial loans, commercial real estate loans and private banking loans. This position will also be responsible for the input of commercial and consumer financial data into the analysis software. Responsible for completing the appraisal ordering/review process according to bank policy and federal regulations.

• Review loan applications and verify loan packages are complete in order to render a lending decision.
• Provide timely support and guidance to lending staff and support staff for increased effectiveness and improved turnaround times.
• Enter application and financial statement/tax return data into loan origination system and analyze the information along with other supporting documents.
• Review the Credit Memo for accuracy and recommend changes to the Credit Manager/Officer.
• Ensure all service level agreements are met or exceeded.
• Adhere to compliance of all Federal and State Regulations.
• Route loan requests to the Credit Officer as appropriate.
• Review appraisals for compliance with bank policies and regulations.
• Report policy violations and recommendations for correction or appropriate tracking to Credit Officer.
• Analyze business, industry, financial data and other supporting credit information concerning an applicant's credit request; identify key business and financial risks that may impact the repayment prospects of the borrower; derive conclusions supporting the credit recommendation based on documented facts and/or sound judgement.
• Prepare timely, concise and accurate credit recommendations, with limited supervision or revision, including: (1) quantitative components within the underwriting narrative documenting the credit analysis; (2) accurate use of risk rating scoring models to ensure loans are properly risk-rated; (3) accurate identification and mitigation of all exceptions to Bank tracked policy exceptions, procedures and compliance regulations.
• Partner with Commercial Relationship Managers to offer insights into customer financial needs. May also offer opinions related to a loan structure's effectiveness to mitigate risks, appropriate to prevailing competitive market environment and Bank risk tolerances.
• Follow all Bank policies and procedures, compliance regulations, and complete all required annual or job-specific training.
• Maintain a working knowledge of Bank's written policies and procedures.
• Receive requests for ordering appraisals, prepare engagement letters, and track the appraisal through the ordering process. Review appraisals by completing a checklist to ensure the quality of the appraisal.

• Bachelor’s degree in business administration, finance, or similar field, preferred. (Or, actively obtaining and enrolled in appropriate school/university).
• At least 1-2 years of experience in finance or banking.

M C Bank is an Equal Opportunity / Affinitive Action employer, committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, religion, sex, sexual orientation, age, national origin, disability, protected veteran status, or any other factor protected by applicable federal, state, or local laws. All hiring decisions are based on qualifications, merit, and business needs.