Credit Analyst

• Pay or shift range: $23.28 USD to $29.68 USD
  The estimated range is the budgeted amount for this position. Final offers are based on various factors, including skill set, experience, location, qualifications and other job-related reasons.

Salary Grade:14

SUMMARY:

Identifies potential credit risks associated with new and existing commercial borrowers through the financial analysis process and works collaboratively with the Commercial Lenders to mitigate these risks.

ESSENTIAL JOB FUNCTIONS & RESPONSIBILITIES:

Credit Analysis

• Works collaboratively with the commercial lenders to provide an independent analysis of commercial borrowers in the identification and mitigation of potential credit risks; this process involves but is not limited to a thorough financial analysis, projecting cash flow and collateral evaluations
• Provides independent input in the process of risk rating commercial borrowers
• Responsible for annual review date tracking for commercial customers
• Distribute reviews to lenders and monitor follow up needed based on results of assessment of the third party loan review vendor
• Responsible for accurately completing credit analysis with basic levels of complexity

Credit Administration Duties

• Assists in the compilation of various reports for Loan Committee and the weekly distribution of the Loan Committee packages as needed
• Other duties as assigned

QUALIFICATIONS:

EDUCATION &

CERTIFICATIONS:

• Bachelor degree required; major in accounting or finance preferable

KNOWLEDGE, SKILLS & ABILITIES:

• One to two years of banking or business experience preferred
• Understanding of all Microsoft Office applications
• Ability to handle multiple priorities and significant workload
• Ability and willingness to produce high quantity and high quality work

COMPETENCIES:

• Must have cyber security awareness to protect the digital environment, the Bank, and customers.
• Problem Solving
• Verbal and Written Communication
• Critical Thinking Skills
• Eager Learner
• Learning Agility

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
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