Credit Analyst II

Description

Responsible for collecting data from new and existing loan customers in order to perform analysis of financial information and creditworthiness and to assist in the administration of commercial loan accounts.

Responsible for collecting data from new and existing loan customers in order to perform analysis of financial information and creditworthiness and to assist in the administration of commercial loan accounts.

• Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money
• Spread appropriate financial data using CASH software program
• Generate financial ratios, using computer programs to evaluate customer’s financial status
• Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industry
• Analyze data such as income growth, quality of management, and market share to determine expected profitability of loans
• Draft credit analysis memos for annual review, new request and modification
• Prepare recommendations to Commercial Loan Officer regarding loan structure terms, and conditions
• Request and communicate with customers, accountants, and attorneys regarding questions on financials, business structure and other necessary documentation. Confidentiality and integrity are of the utmost importance
• Coordinate the ordering of loan documentation and assist in the documentation of loans to evidence debt, including perfection of security interests
• Keep informed of market and economic conditions that may impact customers and the related credit risk and other professional banking issues
• Prepare and review various reports
• Research industry, market, or other data as needed
• Compile data for accountants as requested by Loan Officer
• Complete references of customer as requested by Loan Officer
• Identify opportunities to refer customers and/or potential customers to other departments for services that may meet their needs
• Consult with customers to resolve complaints and verify financial and credit transactions
• Perform on-site inspections at customer locations to determine customer performance
• Perform all other duties as assigned

• Ability to learn and use the Bank’s PC hardware and software; in addition to being proficient in Microsoft Office products, including, but not limited to:
  Word, Excel, and Outlook
• Contribute to a work environment that fosters pride in being part of a winning team and promotes personal growth
• Ability to perform basic math; compute rate, ratio and percent; draw and interpret bar graphs
• Ability to read, write and comprehend simple instructions, correspondence and memos. Effectively present information in a one-on-one and small group situation to customers and other employees. Interpret documents such as procedure manuals, work instructions, software manuals.
• Demonstrate strong oral/communication, organization, attention to detail and problem solving skills
• Ability to work in a team environment and take direction from management and supervisors
• Responsible for knowing and following Bank Security Act (BSA) and Customer Identification Program (CIP) regulations, policies and procedures
• Must have flexibility to deal with changing work hours and locations as needed

• Customer Service Exceed expectations, build lifetime relationships and help our customers achieve financial success
• Maintain a high level of confidentiality with regards to customer information at all times
• Serve customers and give them the same thoughtful treatment that you would like to receive
• Exercise judgment and tact while working with customers or co workers
• Culture Represent the company in positive manner and make customers feel welcomed
• Treat co-workers and customers professionally, respectfully and with appreciation
• Comply with rules and regulations, adjust to change, and promote the best interests of the Company
• Strong initiative and vision for continuous improvement while contributing to a positive team atmosphere
• Return all customer inquiries in a timely manner
• Financial Responsibility Keep personal finances in order, to…