Junior Credit Analyst

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Full Time Regular Professional Corporate Center, Washington, PA, US

Junior Credit Analyst

Classification :
Exempt

Reports To: Director of Commercial Credit Administration

Department: Credit

Our Mission:

Community Bank partners with individuals, businesses, and communities

to realize their dreams, protect their financial futures and improve their lives.

Our Core Values:

At Community Bank, we are committed to fostering a workplace that reflects our core values. We believe in:

• Taking Care of Each Other.
• Always Doing the Right Thing.
• Being a Great Teammate.
• Working Hard to Achieve Our Goals.
• Giving and Expecting Mutual Respect.
• Enjoying Life Every Day.
• Having a Sense of Urgency.

Summary/Objective:

The Junior Credit Analyst is responsible for supporting the Bank's commercial credit underwriting process through financial analysis, credit investigation, risk assessment, and portfolio monitoring. This position assists with financial statement spreading, tax return analysis, cash flow analysis, collateral review, and preparation of commercial credit presentations.

Working under the guidance of senior credit personnel, the Junior Credit Analyst contributes to sound credit decisions while developing foundational underwriting and portfolio management skills.

Essential Functions:

• Analyze personal and business financial statements, tax returns, credit reports, and other financial information to assist in evaluating borrower repayment capacity and creditworthiness.
• Calculate and analyze key credit metrics including leverage, liquidity, profitability, and debt service coverage.
• Review borrowing requests for compliance with internal lending policies and credit standards.
• Analyze trends in borrower financial performance and identify strengths, weaknesses, and emerging credit risks.
• Assist in evaluating collateral adequacy through review of appraisals, financial information, and collateral reports.
• Support the preparation of credit memoranda with relevant financial data, borrower background, and initial risk assessments.
• Collaborate with lending officers and relationship managers to collect necessary documentation and clarify borrower information.
• Monitor loan covenants and financial reporting requirements for assigned accounts.
• Maintain organized records of credit files, financial statements, and underwriting documentation in accordance with audit and compliance standards.
• Learn and apply regulatory guidelines, internal credit policies, and industry best practices.
• Assist in tracking portfolio performance and identifying early warning signs of credit deterioration.
• Receive mentorship and training from senior analysts to build proficiency in credit structuring and risk analysis.
• Assist in monitoring ongoing credit quality by tracking covenants, portfolio trends, and borrower performance.
• Assist with annual credit reviews, loan renewals, and periodic relationship assessments.
• Assist in the development of risk ratings under supervision
• Participate in underwriting discussions with lenders and credit administration personnel.
• Maintain full compliance with federal, state, and internal lending regulations.
• Contribute ideas for process improvements to enhance operational efficiencies and risk mitigation.
• Comply with government, regulatory, and Bank policies and procedures.

Other Duties:

• Perform other duties assigned, in support of departmental goals and organizational priorities.

Education and Experience:

• Minimum of a bachelor’s degree in finance, accounting, or related field required.
• 0-2 years of banking, accounting, financial analysis or related business experience…