Credit Analyst

Position Purpose

Under supervision, the Credit Analyst will conduct credit investigations, prepare and interpret financial statements for detailed spreading, and analyze routine credit information pertaining to Commercial Loan Requests and Loan Reviews. The analyst will prepare reports and information for management and Loan Committees, furnish information in relation to credit inquiries, and provide assistance to commercial loan officers as requested.

Under supervision, the Credit Analyst will conduct credit investigations, prepare and interpret financial statements for detailed spreading, and analyze routine credit information pertaining to Commercial Loan Requests and Loan Reviews. The analyst will prepare reports and information for management and Loan Committees, furnish information in relation to credit inquiries, and provide assistance to commercial loan officers as requested.

• Investigate all available sources of credit and financial information, including reporting services, credit bureaus, other companies, bank references, and in‑house credit information.
• Spread and analyze financial statements and related material using appropriate software programs.
• Under supervision, prepare summaries, present facts, and offer opinions concerning credit worthiness.
• Summarize conclusions in Loan Presentations and Loan Reviews.
• Conduct analysis of the market (customers) and industry (competition, suppliers, and potential new entrants) and management teams.
• Assist with special projects and reporting assignments in Credit Administration.
• Know and understand bank/credit policies and procedures.
• Provide computer support, including data entry, for the maintenance of the loan analysis systems.
• Understand new and pending laws and regulations that affect the organization’s credit practices.
• Participate in the ongoing development of commercial credit policies and procedures that safeguard the bank.
• Provide and maintain reporting requirements on bank customers’ credit obligations.
• Recommend risk grade changes.
• Complete loan reviews as directed by the Lead Loan Review Analyst or Credit Administration Manager.

• One to three years of commercial credit and lending experience.
• Business, finance, or accounting major preferred; other majors with a business minor also acceptable or equivalent experience.
• A significant level of trust and diplomacy is required, with normal courtesy and tact. Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature; it may involve motivating or influencing others. Outside contacts are important and fostering sound relationships with other entities is necessary.
• Knowledge of banking industry practices related to commercial banking.
• High level of analytical ability.
• Strong written, verbal and interpersonal skills; ability to maintain confidentiality of information as appropriate.
• Understanding of the components of financial statements and personal/corporate tax returns.
• Proficiency with Microsoft Office products (Word, Excel, Access, PowerPoint, etc.) and financial statement spreading software.
• A high level of initiative, thoroughness, accuracy and organizational skills.
• Detail‑oriented with effective judgment and time management.

• Work involves eye strain due to frequent use of computer screens, reading of reports, and entering information into spreadsheets.
• Work involves sitting for the majority of the day.
• Work involves concentrating on the matter at hand, sometimes under distracting conditions.
• Work involves lifting and moving loan files of up to 15 lbs.
• Work involves some travel, independently and with loan officers, to consult on financial loan information, training, meetings, and so forth.

EOE – Race/Sex/Disability/Veteran

This position description is not a complete statement of all duties and responsibilities comprising this position.

Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this position at any time.