Credit Analyst

About The Role

Seeking an EXPERIENCED Credit Analyst to join our One Big Happy Little Bank
. This position is primarily responsible for gathering and analyzing credit information on current and potential borrowers; provides data to determine the advisability of granting credit for diversified types of loans; assists loan officers in writing loan requests. Assists Lenders by ordering appraisals and evaluations and submits related invoices for payment.

• Inputs customer financial information into computerized spreadsheets and generates reports that depict financial trends and ratios.
• Analyzes credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
• Prepares reports that include the degree of risk involved in extending credit or lending money.
• Analyze financial data such as income growth, trends, quality of financial management, and market share to help determine expected profitability of loans.
• Evaluates customer records based on earnings, savings data, payment history, and purchase activity. Confers with CPAs and borrowers, when cleared by Lender, to understand financial information submitted for loan requests.
• Generates financial ratios, including debt service coverage ratios, using computer programs, to evaluate customers' financial status.
• Works with Loan Officers to prepare loan requests for Loan Committee review, when requested.
• Serves as liaison between lenders and appraisers. Orders appraisals and evaluations, forwards appraisals and evaluations to Lenders when complete and submits invoices for payment.

• Must comply with applicable laws and regulations, including but not limited to the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
• Adhere to Bank of the San Juans Company Core Values.
• Keeps management appropriately informed of area activities and of any significant problems.
• Participate in Community Service and Bank sponsored activities that serve and support the mission and values of the Bank of the San Juans.
• Provide superior internal and external customer service: must demonstrate self-governance, courtesy and respect toward external customers as well as internal customers (all organization personnel).
• Complete required bank and BVS training courses within assigned time frame(s).
• Represent Bank of the San Juans in a professional manner which includes a professional image, confidentiality, a positive "can-do" attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs. Keep work area tidy and maintain customer privacy. Attends and participates in meetings as required.
• Additional duties as requested or assigned.

• Combination of education and experience equivalent to a four-year college degree or completion of a specialized course of study at a business or trade school.
• One to two years of similar or related experience.

• Knowledge of bank loan services, policies, and procedures (preferred).
• Understanding of related legal and regulatory standards, and required loan documentation.
• General understanding of accounting concepts and terms, double-entry bookkeeping and balance sheet-income statement relationships.
• Working knowledge of Moody's Analytic software or other financial spreading software is desirable.
• Excellent communication skills-written and verbal. Professional appearance and attitude.
• Strong analytical and financial skills.
• Ability to operate related computer applications, and other business equipment including calculators, typewriter, printer, and telephone.
• Ability to work with spreadsheet and word processing software.

Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise level.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the…