Credit Analyst - Lititz

Description

Responsible for commercial loan underwriting and for providing administrative support to the Credit Administration and commercial lending functions of the Bank.

• Prepare non‑complex loan presentations for decisioning by Loan Officers, CLO, and Officers Loan Committee (OLC).
• Accurately identify and document all Loan Policy exceptions and recommend a risk rating based on established procedures.
• Prepare and submit for approval non‑complex Annual File Reviews (AFR’s).
• Track and monitor portfolio concentrations including Hotel/Motel, Participations, Tax Exempt, CRE, Storage Unit financing, and Cannabis Related Businesses.
• Attend OLC meetings as needed, providing an explanation of the financial analysis on assigned credits, and act as backup for taking minutes.
• Attend credit‑related meetings as needed, providing an explanation of the financial analysis or taking minutes.
• Routinely incorporate compliance (knowledge of applicable laws/regulations), generally accepted lending principles, and accounting basics in daily tasks.
• Evaluate and analyze financial statements, personal and business tax returns, personal financial statements, borrower prepared projections, management performance, market or industry risk, capital structure, and collateral on non‑complex relationships (i.e. – Investment properties, Sole Proprietorships, etc.).
• Utilize the Loan Operation System (LOS) to analyze credit worthiness, discuss credit findings with lenders, and recommend options to limit risk.
• Proofread written documentation (meeting minutes, loan presentations, correspondence, etc.) to ensure clarity and compliance with generally accepted grammar and spelling standards.
• Assist with assignments related to OLC, Credit Risk Management Committee (CRMC), Loan Review, and Audit as needed.
• Satisfy financial ticklers and upload financial information into the LOS for commercial loan requests and annual file reviews.
• Serve as a backup on performing due diligence functions (i.e. – NAICS, Domestic, UPI, EDR, Flood, Background, UCC searches, maturing loans, etc.) and identifying red flags, errors, or other concerns.
• Promote and preserve JBT’s values and culture.
• Follow Bank policy and procedure to prevent fraud and financial crimes.
• Other duties as assigned.