Senior Credit Analyst

Join to apply for the Senior Credit Analyst role at Central Bank

• Conduct investigation and analysis of routine financial data to facilitate the credit extension decision‑making process.
• Use credit reporting services to compile reports regarding the credit history of potential customers.
• Research and analyze financial statements, interpret findings and prepare reports of financial position and credit worthiness.
• Assist with the preparation and presentation to loan committees or customers; may offer opinions regarding the financial strength and credit worthiness of customers.
• Maintain loan documentation files and monitor compliance with terms of loan agreements.
• Conduct a systematic review of commercial, installment, and mortgage loans to determine adequacy of documentation.
• Monitor the financial position of established accounts and bring irregularities to the attention of the Credit Department Officer and/or Vice President of Loan Administration.
• Ensure thorough knowledge and understanding of compliance and regulatory issues relating to loan policy and procedures, and apply regulations in day‑to‑day operations.
• Demonstrate the highest level of professionalism, efficiency and customer service when resolving customer issues.
• Understand and maintain a thorough knowledge of Central Bank's services, operations, and organization; communicate this understanding to others when appropriate and refer inquiries and correspondence to the proper department or individual.
• Complete or attend all required training.

• Assist others as needed.
• The position may be assigned other duties and responsibilities and may be assigned work or training at other assigned locations.

• Bachelor's degree in Business or an equivalent degree program is preferred, but an equivalent combination of education, training and experience that provides the required knowledge, skills and abilities may be substituted.
• 12 hours of Accounting courses preferred.
• Prior business‑related experience as a credit analyst or a position requiring advanced analytical skills is preferred.
• Knowledge of current bank lending procedures and policies, lending regulations (state and federal), lien laws, collection/bankruptcy regulations, and loan documentation preferred.
• Ability to analyze financial statements and assess loan risk.
• Possess good judgment skills; ability to make decisions within prescribed guidelines, research and solve problems, handle confidential information and manage multiple tasks.
• Ability to read, write, and speak English.
• Excellent verbal, listening and communication skills. Strong customer relations skills and ability to work with employees and customers in a cooperative manner. Ability and desire to work as part of a team and with people of diverse backgrounds.
• Strong organizational skills and attention to detail; must be able to work independently, have a great degree of initiative, and be willing to assume additional responsibilities/duties/projects as they arise.
• Ability to operate office equipment including PCs, calculators, telephones, voicemail, copy and fax machines. Must be proficient with Microsoft Word and Excel.
• Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

• Regularly required to sit; stand; walk; talk; see and hear.
• Regularly required to use hands to finger, handle, or feel objects, tools, or controls and reach with hands and arms.
• Occasionally required to stoop, kneel, or crouch.
• Frequently lift and/or move up to 20 pounds.
• Specific vision abilities include close vision.

• Mid‑Senior level

• Part‑time

• Finance and Sales