AVP Credit Analyst III

AmeriServ Financial Bank • Penn Hills, PA

40d • Onsite

About The Position

Administer assistance to lending officers of the bank by furnishing credit
analysis and financial information evaluation services.  Promote compliance with
established credit policies and procedures.  Functions at a wholly-independent
level and assists Supervisor of Credit Analysis Department in training and
coaching of less experienced Credit Analysts.

Requirements

• Strong Communication Skills (Written and verbal)
• Analytical Skills
• Computer Skills including Microsoft Office and Internet
• Deadline Driven
• Ethical Conduct
• Principled Time Management
• Composure Under Pressure/Stressful Situations
• Ability to handle multiple projects/priorities simultaneously
• Bachelor’s Degree in accounting, finance, business, or related field with completion of accounting coursework through at least the intermediate level.
• Minimum of five (5) years of commercial banking experience in the credit analysis department of the bank or equivalent.
• In lieu of a bachelor’s degree, eight (8) years of commercial banking experience in the credit analysis department of a bank.
• Demonstrate working knowledge of the bank’s credit policy.

Responsibilities

• In support of the Lending Division, prepare accurate, comprehensive and timely credit analysis as required by policy to support loan production efforts of the Lending Division with appropriate balance of credit risk management and compliance with credit policies.  Evaluate financial statements and various credit data to determine and document the degree of risk in lending funds. Complete ratio, trend and cash flow analysis.  Carefully analyze all data to produce meaningful, clear and objective reports.
• Ensure that credit files are complete, identify any documentation deficiencies, and work with relationship manager to anticipate, identify and collect documents as needed for timely approvals on new and existing credits. Thoroughly research borrowers, guarantors and industry data, with focus on addressing any potential credit worthiness concerns.
• Contribute to and participate in maintaining a consistent credit culture throughout the organization by promoting compliance with all credit policies and procedures, by providing support to the Lending Division in interpretation of policy and aiding the loan officers in evaluating appropriate loan structure relating to loan proposals and/or proposed loan modifications.
• Serve as an internal training resource by assisting the department supervisor to provide direction, training, guidance and coaching to less experienced analysts, specifically with review of analysis, reports and/or projects completed by junior analysts to ensure accuracy.
• Provide spreadsheet preparation services as requested by the Lending Division and provide credit analyses of existing lending exposures in the portfolio, with a goal of assuring annual analysis, in the minimum, of the largest 25 credit exposures of the Bank. Provide ongoing monitoring of financial covenants, including calculations, monitoring updates and communication of compliance status. Complete review of real estate appraisals and evaluations accurately and on time as assigned.
• Adhere to project deadlines and maintain a good working knowledge of the Bank’s lending policies and procedures and identify exceptions to policy. Provide technical advice to relationship managers as needed.
• Continually keep abreast of related legal, banking, industry, compliance and market risk related issues.
• Contribute to and participate in maintaining a consistent credit culture throughout the organization by promoting compliance with all credit policies and procedures, by providing support to the Lending Division in interpretation of policy and by helping the loan officers in evaluating appropriate loan structure relating to loan proposals and/or proposed loan modifications.
• Enhance and promote the Bank through participation in community organizations, activities, and projects.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level