FT Credit Analyst I - Lititz

Jonestown Bank & Trust Co•Lititz, PA

7d•Onsite

About The Position

Responsible for commercial loan underwriting and for providing administrative support to the Credit Administration and commercial lending functions of the Bank.

Requirements

Commercial loan underwriting
Administrative support to Credit Administration and commercial lending functions
Prepare non-complex loan presentations
Identify and document Loan Policy exceptions
Recommend risk ratings
Prepare non-complex Annual File Reviews (AFR’s)
Track and monitor portfolio concentrations
Attend OLC meetings and provide financial analysis explanations
Act as backup for taking minutes at OLC meetings
Attend credit-related meetings and provide financial analysis explanations or take minutes
Incorporate compliance, generally accepted lending principles, and accounting basics
Evaluate and analyze financial statements, tax returns, personal financial statements, borrower projections, management performance, market/industry risk, capital structure, and collateral on non-complex relationships
Utilize Loan Operation System (LOS) for credit analysis
Discuss credit findings with lenders
Recommend options to limit risk
Proofread written documentation for clarity and compliance
Assist with assignments related to OLC, CRMC, Loan Review, and Audit
Satisfy financial ticklers
Upload financial information into LOS
Perform due diligence functions (NAICS, Domestic, UPI, EDR, Flood, Background, UCC searches, maturing loans)
Identify red flags, errors, or concerns
Promote and preserve JBT’s values and culture
Follow Bank policy and procedure to prevent fraud and financial crimes

Responsibilities

Prepare non-complex loan presentations for decisioning by Loan Officers, CLO, and Officers Loan Committee (OLC).
Accurately identify and document all Loan Policy exceptions and recommend a risk rating based on established procedures.
Prepare and submit for approval non-complex Annual File Reviews (AFR’s).
Track and monitor portfolio concentrations including Hotel/Motel, Participations, Tax Exempt, CRE, Storage Unit financing, and Cannabis Related Businesses.
Attend OLC meetings as needed, providing an explanation of the financial analysis on assigned credits, and act as backup for taking minutes.
Attend credit-related meetings as needed, providing an explanation of the financial analysis or taking minutes.
Routinely incorporate compliance (knowledge of applicable laws/regulations), generally accepted lending principles, and accounting basics in daily tasks.
Evaluate and analyze financial statements, personal and business tax returns, personal financial statements, borrower prepared projections, management performance, market or industry risk, capital structure, and collateral on non-complex relationships (i.e. - Investment properties, Sole Proprietorships, etc.).
Utilize the Loan Operation System (LOS) to analyze credit worthiness, discuss credit findings with lenders, and recommend options to limit risk.
Proofread written documentation (meeting minutes, loan presentations, correspondence, etc.) to ensure clarity and compliance with generally accepted grammar and spelling standards
Assist with assignments related to OLC, Credit Risk Management Committee (CRMC), Loan Review, and Audit as needed.
Satisfy financial ticklers and upload financial information into the LOS for commercial loan requests and annual file reviews.
Serve as a backup on performing due diligence functions (i.e. – NAICS, Domestic, UPI, EDR, Flood, Background, UCC searches, maturing loans, etc.) and identifying red flags, errors, or other concerns.
Promote and preserve JBT’s values and culture.
Follow Bank policy and procedure to prevent fraud and financial crimes.
Other duties as assigned.