Credit Analyst I
About The Position
This position is responsible for providing credit analysis for the bank. This position will analyze financial documentation and related information to insure informed credit decisions. Support the Credit Analyst Supervisor and Loan Review Officer in administrative processes to assist in the identification of inherent risk in the bank’s loan portfolio. ESSENTIAL JOB FUNCTIONS: Analyze financial documentation for new and renewed loans, including financial statements, tax returns, profit and loss statements, and credit bureau reports. Will generally focus on smaller, less complex credits Provide ratio, trend and cash flow analysis as needed. Prepare borrower analysis reports for Loan Officers and Loan Committees in a timely manner. Work closely with Credit Analyst Supervisor and Lenders to insure informed credit decisions on loan proposals. Work closely with Credit Analyst Supervisor, Loan Review Officer, and Loan Administration to ensure banking regulations, loan policies, and adequate underwriting standards are being followed on credits analyzed. Recognize the characteristics of a problem loan and report to Loan Review Officer. Assist Credit Analyst Supervisor and Loan Review Officer with monthly and quarterly reports as needed. Must be able to meet attendance and punctuality standards. Effectively work and cooperate with lenders, supervisors, and co-workers. Other duties as assigned.
Requirements
- Bachelor’s Degree in Accounting, Finance, Business, Economics or related field is required.
- 1-2 years’ relevant experience preferred.
- Previous banking experience in credit analysis, loan review, or lending related area is preferred.
- Proficient computer, 10 key, and typing skills.
- Strong proficiency in PC applications including Windows, MS Word, MS Excel.
- Ability to maintain a high degree of confidentiality
- Strong verbal and written communication skills
- Strong team building and interpersonal skills: able to work well with a wide range of people
- Strong organizational and time management skills
- Demonstrate dependability through good attendance and adherence to timelines and schedules
- Strong follow through on projects and deliverables
- Strong analytical skills
- Strong problem-solving skills
- Demonstrate resourcefulness and ability to take initiative in development and completion of projects
- Strong sense of customer service
Nice To Haves
- Experience in Jack Henry bank software a plus
Responsibilities
- Analyze financial documentation for new and renewed loans, including financial statements, tax returns, profit and loss statements, and credit bureau reports.
- Provide ratio, trend and cash flow analysis as needed.
- Prepare borrower analysis reports for Loan Officers and Loan Committees in a timely manner.
- Work closely with Credit Analyst Supervisor and Lenders to insure informed credit decisions on loan proposals.
- Work closely with Credit Analyst Supervisor, Loan Review Officer, and Loan Administration to ensure banking regulations, loan policies, and adequate underwriting standards are being followed on credits analyzed.
- Recognize the characteristics of a problem loan and report to Loan Review Officer.
- Assist Credit Analyst Supervisor and Loan Review Officer with monthly and quarterly reports as needed.
- Must be able to meet attendance and punctuality standards.
- Effectively work and cooperate with lenders, supervisors, and co-workers.
- Other duties as assigned.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
