Credit Analyst

This position is responsible for providing support to lending officers in making decisions on commercial requests through written and verbal analysis of specific initial and renewal loan requests as well as on-going analysis on current loan relationships.

Key duties include but are not limited to:

• Monitor commercial loans graded by loan officers for consistency
• Conduct annual credit review on current loan relationships and advise manager of existing or potential issues,
• Responsible for adherence to bankfs operational compliance and security policies and applicable state and federal laws
• Is committed to on-going professional development and actively participates and advocates the bank's training and development programs and commitment to learning
• Participate from time to time with community organizations and in community projects
• Prepare credit analysis presentation sheet on commercial relationships up to $1,000,000
• Perform post-closing review on all commercial loans.

This position is expected to understand the significant control procedures and the compliance policies related to day-to-day job duties. All control procedures that this position has responsibility for accomplishing, as well as those for which it has direct oversight, will be accomplished according to policies and procedures. This position is responsible for understanding and following all federal and regulatory policies and is responsible for the compliance of all direct reports.

This position is responsible for disclosing to the Asset-Liability Committee all commitments, contracts or other agreements that it enters into or changes, or that it may be aware of from other areas of the company.

Requirements:

• A 4-year degree in accounting, finance, economics or related field is required;
• Prior bank experience is preferred;
• A minimum of 1-2 years previous credit experience including analyzing credits and preparing written memos is required;
• Working proficiency of Microsoft Word and Excel;
• High degree of interpersonal skills, attitude, judgment, communication and the ability to effectively interact with customers and employees;
• Ability to exercise personal and professional responsibility and work with limited direction; and
• Must be able to use tact and diplomacy and communicate effectively via telephone, letters, personal contact, etc.
• Knowledge and understanding of, and adherence to, the Bankfs Code of Conduct.

Job Type: Full-time

Work Location:

In person