Commercial Credit Analyst III

QNB Bank•Quakertown, PA

12d

About The Position

The Commercial Credit Analyst III performs credit analysis on assigned credit relationships and develops information to support lending decisions by Relationship Managers, the Loan Committee, and the Board Loan Committee. The role gathers and evaluates credit information from internal and external sources, analyzes financial statements and related materials using spreading software, and prepares credit presentations and documentation for credit files. The position monitors credit file maintenance and annual review schedules, reviews the Biweekly Loan Report for accuracy, and helps improve departmental procedures and automation. It may involve managing departmental workflow when the Chief Credit Officer or Credit Department Manager is absent, reviewing and critiquing other analysts’ work, training Credit Analysts, and supervising a Credit Analyst I. The analyst also works with other departments and customers as needed and completes compliance training.

Requirements

Bachelor’s degree in business administration specializing in finance, accounting, or economics.
Minimum of 5 years of credit analysis experience.
Extensive knowledge of financial statements.
Ability to multitask and work effectively with colleagues while managing time and resources to complete work efficiently and within established time frames.
Interpersonal skills to represent QNB positively when dealing with internal and external customers.
Proficiency with computer applications, including Microsoft Word and Excel.

Responsibilities

Perform credit analysis on assigned credit relationships.
Collect and analyze credit information from in-house sources, other financial institutions, agencies, and other available sources.
Analyze financial statements and related materials, including through use of spreading software.
Attend customer calls with Relationship Managers and document calls as requested.
Develop and prepare credit presentations for credit files, Relationship Managers, the QNB Loan Committee, and the Board Loan Committee.
Monitor maintenance and updating of credit files.
Monitor the progress log for scheduled annual reviews and ensure reviews are completed within established time parameters.
Review the Biweekly Loan Report for accuracy.
Assist in developing procedures and programming to improve automation and efficiency.
Manage departmental workflow in the absence of the Chief Credit Officer or Credit Department Manager.
Review and critique file memos and credit presentations prepared by other Credit Analysts.
Assist in training Credit Analysts.
May supervise a Credit Analyst I.
Work with other departments to facilitate workflow.
Work directly with customers as needed.
Complete assigned compliance training on time and apply it to job duties, including supervision of other employees.
Assume additional responsibilities as requested.