Credit Analyst II

AmeriServ Financial Bank•Johnstown, PA

20h•Onsite

About The Position

Administer assistance to lending officers of the bank by furnishing credit analysis and financial information evaluation services. Promote compliance with established credit policies and procedures. Functions at a largely independent level. As needed, provide assistance to Supervisor of Credit Analysis Department in training and coaching of less experienced Credit Analysts.

Requirements

Bachelor’s Degree in accounting, finance, business, or related field with completion of accounting coursework through at least the intermediate level.
Minimum of eighteen (18) months of commercial banking experience in the credit analysis department of the bank or equivalent.
Demonstrate working knowledge of the bank’s credit policy.
Excellent Communication Skills (written and verbal)
Strong Analytical Skills
Computer Skills including Microsoft Office and Internet
Problem Solving Skills
Deadline Driven
Ethical Conduct
Principled Time Management
Composure Under Pressure/Stressful Situations

Responsibilities

Prepare accurate, comprehensive, and timely credit analysis to support loan production efforts, evaluating financial statements and credit data to determine and document risk. Complete ratio, trend, and cash flow analysis.
Ensure credit files are complete, identify documentation deficiencies, and work with relationship managers to collect necessary documents for timely approvals.
Research borrowers, guarantors, and industry data, focusing on creditworthiness concerns.
Contribute to maintaining a consistent credit culture by promoting compliance with credit policies and procedures, and assisting loan officers in evaluating loan structures.
Assist the Credit Analysis Manager and Supervisor in providing direction, training, guidance, and coaching to less experienced Credit Analysts.
Provide spreadsheet preparation services and credit analyses of existing lending exposures, with a goal of assuring annual analysis of the bank's largest credit exposures.
Provide ongoing monitoring of financial covenants, including calculations, updates, and communication of compliance status.
Complete review of real estate appraisals and evaluations accurately and on time.
Adhere to project deadlines.
Maintain a good working knowledge of the Bank’s products, lending policies and procedures, and identify exceptions to policy.
Provide technical advice to relationship managers as needed.
Continually keep abreast of related legal, banking, industry, compliance, and market risk related issues.
Enhance and promote AmeriServ Financial Bank through participation in community organizations, activities, and projects.