Credit Analyst II

Orrstown Bank • York, PA

486d

About The Position

The Credit Analyst II position at Orrstown Bank is designed for individuals who are ready to take on a more advanced role in credit analysis, building upon the foundational skills developed as a Credit Analyst I. This role requires a deep understanding of financial analysis and the ability to assist loan officers in evaluating various types of credit information. The Credit Analyst II will serve as a subject matter expert, providing critical insights into the creditworthiness of both new and existing borrowers. The position involves developing and analyzing comprehensive credit information related to commercial loans, preparing detailed credit reports, and furnishing necessary information in response to credit inquiries. In this role, the analyst will be responsible for organizing work within the department and collaborating with other departments to ensure compliance with established operating policies and procedures. Effective communication with appropriate personnel is essential, as is the ability to respond promptly to inquiries and requests for information. The Credit Analyst II will maintain accurate records and provide assigned reports, ensuring that all credit analysis activities align with the prescribed lending policies. The position requires a proactive approach to financial analysis, including the preparation of financial spreadsheets and the compilation of supporting financial information. Analysts will analyze financial data to determine the creditworthiness of borrowers and may make recommendations regarding loan approvals or denials. Thorough documentation of financial analysis work, including the calculation of relevant ratios, is a critical component of this role. Additionally, the analyst will prepare commercial loan presentations for the appropriate approval authority, ensuring that all required financial statements and documentation are current and readily available.