Credit Analyst II

Benefits

• 401(k)
• 401(k) matching
• Dental insurance
• Health insurance
• Paid time off
• Parental leave
• Vision insurance

Credit Analysts are responsible for analyzing credit information to evaluate the degree of risk involved with extending credit or lending money to businesses and individuals. Primary functions include analyzing new and existing customer financial information along with assisting lenders with structuring loans and analyzing collateral positions. A successful candidate must be able to perform all essential duties and functions as described.

The Credit Analyst II should have the experience necessary to independently complete typical analysis requests and require minimal assistance on more complex requests.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Performs pre-funding analysis on loans and credit relationships by obtaining and analyzing credit and financial information
• Performs post-funding analysis and reviews on existing loans and credit relationships
• Reviews and prepares written analyses, spreadsheets, reports, summaries, and opinions
• Analyzes and monitors the bank’s collateral position on new and existing loans and credit relationships
• Assists Loan Officers with structuring credits and completing loan offering sheets when needed
• Assists with credit file monitoring to ensure that information is accurate and up-to-date
• Serves as a client relationship representative to bank customers, both internally and externally
• May periodically accompany Loan Officers on site visits to potential and existing customers
• Understands and follows the bank’s loan policy along with all applicable laws and regulations
• Assists the Credit Officer, as needed, with special tasks or projects along with other duties as assigned
• Assists the Credit Analysis Manager by periodically reviewing and editing analysis work completed by junior analysts

• Problem Solving/Analysis
• Teamwork orientation
• Customer focused
• Initiative
• Time management
• Communication proficiency
• Technical capacity
• Knowledge of office methods, procedures, and practices including the use of standard office equipment
• Detail oriented
• Organizational skills
• Mathematical skills
• Computer skills
• Attendance/Punctuality
• Dependability

This position is not responsible for the supervision of other employees.

This position operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, fax machines, email, electronic calendars, scanning devices, calculators, and spreadsheets.

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. While performing the duties of this job, the employee is regularly required to talk or hear. The employee is frequently required to stand, walk, squat, use hands to finger, handle or feel, and reach with hands and arms.

This job may also require the employee to frequently lift at least 50 pounds.

This is a full-time position. Days and hours of work are Monday through Friday, 8:00 a.m. to 5:00 p.m. This position may require occasional evening and weekend work as needed.

Travel is primarily local during the business day; however, some out-of-area and overnight travel may be expected.

Bachelor’s Degree in Business Administration or a related field and two years of existing Credit Analysis experience required.

Bachelor’s Degree in Accounting or Finance and lending or related experience preferred.

Equivalent combinations of experience, training and/or education approved by Human Resources. This description is intended to be generic in nature. It is not intended to determine all specific duties and responsibilities of any particular position. Essential functions and overtime eligibility may vary on the specific tasks assigned to the position.

Please note that this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time, with or without notice.

This company is an Equal Opportunity Employer. Veterans and individuals with disabilities are encouraged to apply.