Credit Analyst I

Sutton Bank•Tiffin, OH

About The Position

Summary: Responsible for analyzing/underwriting loans for existing borrowers, renewals, modifications, and commercial customers. Responsible for underwriting loans that are utilized for agriculture and commercial related purposes. Revises, updates or maintains grades assigned to loans in excess of $150K within the Bank's portfolio. Assists loan officers in determining potential future loan performance. Qualifications: Education: Bachelor's Degree in business, finance, accounting or other related field. Licenses/Certifications: None. Experience: One to three years of accounting e xperience, preferably in a financial institution. Or equivalent combination of education and experience. Essential Functions: A: Job Specific: Performs timely analysis of loans which includes: review financial statements, balance sheets, tax returns, collateral/appraisal reports, covenants, A/P & A/R aging, credit reports, payment history, industry trends and economic conditions to determine credit worthiness. Prepares loan write-up for management review and file documentation on all new loan requests. Assigns a credit risk grade based on information obtained. Assists Loan Review Officer with Monthly and Quarterly Board Reports including, but not limited to, pulling Director Reports, preparing the Watch Report, Concentration Report, OREO Report, Legal Lending Calculation, Watch Ratios, ALCO Graphs, Portfolio Analysis, Class Code analysis, Out of Area Lending, Participation Report, Loan Graphs, Top 25 Borrower Report, Class Flow Trending, CRE Graphs, Concentrations Compared to Policy and any additional reports requested by the loan committee. Assists Loan Review Officer with the Bank's financial statement tracking report. Works collaboratively with lenders to develop and maintain a working knowledge of all assigned customers. Provides credit support and recommendations to lenders. Identifies and evaluates trends and potential risks that could impact the customer's ability to fulfill their repayment obligation. Conducts systematic annual review of all commercial credits above $150,000 as well as those in accordance with the loan review policy. Reviews loan covenants to ensure borrower is in compliance and initiate timely resolution to deficiencies. Analyzes updated financial data presented from the borrower to determine if an adjustment in grade is required for following year. Re-grades loans as needed. Works with management, lenders and auditors to confirm/negotiate modified grade. Tracks and informs management of asset quality issues when performing loan review. Assists in the development and maintenance of appropriate portfolio management reports to track loan exceptions, committed balances, UCC filings, risk ratings, annual reviews, loan covenants, portfolio composition of lending products and industry exposure. Prepares loan presentations for committee review. Works with lenders to acquire all necessary documentation and information needed to prepare an all-inclusive packet that will be the basis of a credit decision. Utilizes available Bank software for financials and projections. Trains others as needed. Knowledge/Skills/Abilities: The ability to communicate effectively and clearly, both in verbal and written communications, as well as, present information to groups of managers, employees, customers. Excellent interpersonal skills. Strong knowledge of the business area(s) that are being supported. The ability to manage multiple tasks. Excellent problem-solving skills. Technical writing, to include reports, and procedures. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations. Ability to compute rate, ratio, and percent and to draw and interpret graphs. Ability to define problems, collect data, establish facts and draw valid conclusions. Ability to solve problems and deal with a variety of concrete variables in situations where only limed standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form. The ability to read, analyze and interpret financial statements, government regulations, professional journals, etc. Sutton Bank is an Equal Employment Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity, pregnancy, disability or protected veteran status.

Requirements

Bachelor's Degree in business, finance, accounting or other related field.
One to three years of accounting e xperience, preferably in a financial institution.
Or equivalent combination of education and experience.
The ability to communicate effectively and clearly, both in verbal and written communications, as well as, present information to groups of managers, employees, customers.
Excellent interpersonal skills.
Strong knowledge of the business area(s) that are being supported.
The ability to manage multiple tasks.
Excellent problem-solving skills.
Technical writing, to include reports, and procedures.
Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
Ability to compute rate, ratio, and percent and to draw and interpret graphs.
Ability to define problems, collect data, establish facts and draw valid conclusions.
Ability to solve problems and deal with a variety of concrete variables in situations where only limed standardization exists.
Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
The ability to read, analyze and interpret financial statements, government regulations, professional journals, etc.

Responsibilities

Performs timely analysis of loans which includes: review financial statements, balance sheets, tax returns, collateral/appraisal reports, covenants, A/P & A/R aging, credit reports, payment history, industry trends and economic conditions to determine credit worthiness.
Prepares loan write-up for management review and file documentation on all new loan requests.
Assigns a credit risk grade based on information obtained.
Assists Loan Review Officer with Monthly and Quarterly Board Reports including, but not limited to, pulling Director Reports, preparing the Watch Report, Concentration Report, OREO Report, Legal Lending Calculation, Watch Ratios, ALCO Graphs, Portfolio Analysis, Class Code analysis, Out of Area Lending, Participation Report, Loan Graphs, Top 25 Borrower Report, Class Flow Trending, CRE Graphs, Concentrations Compared to Policy and any additional reports requested by the loan committee.
Assists Loan Review Officer with the Bank's financial statement tracking report.
Works collaboratively with lenders to develop and maintain a working knowledge of all assigned customers.
Provides credit support and recommendations to lenders.
Identifies and evaluates trends and potential risks that could impact the customer's ability to fulfill their repayment obligation.
Conducts systematic annual review of all commercial credits above $150,000 as well as those in accordance with the loan review policy.
Reviews loan covenants to ensure borrower is in compliance and initiate timely resolution to deficiencies.
Analyzes updated financial data presented from the borrower to determine if an adjustment in grade is required for following year.
Re-grades loans as needed.
Works with management, lenders and auditors to confirm/negotiate modified grade.
Tracks and informs management of asset quality issues when performing loan review.
Assists in the development and maintenance of appropriate portfolio management reports to track loan exceptions, committed balances, UCC filings, risk ratings, annual reviews, loan covenants, portfolio composition of lending products and industry exposure.
Prepares loan presentations for committee review.
Works with lenders to acquire all necessary documentation and information needed to prepare an all-inclusive packet that will be the basis of a credit decision.
Utilizes available Bank software for financials and projections.
Trains others as needed.