Credit Analyst II
About The Position
Fleetwood Bank, the only bank headquartered in Berks County, is looking for dynamic individual to join our team as a Credit Analyst II. The Credit Analyst II is responsible for performing various duties, including but not limited to; preparing credit write-ups; monitoring construction projects; preparing watch loan data; providing quarterly loan loss analysis; achieving goals as established in the Loan Department's annual operating plan; coordinating work within the department, as well as with other departments; complying with operating policies and procedures established for the credit analysis function; communicating with appropriate personnel; responding to inquiries or requests for information; maintaining appropriate records and providing assigned reports.
Requirements
- A high school diploma or equivalent
- 3 years' experience required
- This position requires a high degree of organization and attention to detail.
Nice To Haves
- B.S. or B.A degree in Accounting and/or Finance preferred
Responsibilities
- Accurately spreads financial statements including assets, liabilities, and owners' equity accounts to identify trends and measure performance and financial strength of credit applicants.
- Analyzes loan requests by performing traditional cash flow analysis, utilizing financial statements and tax returns.
- Collaborate with other departments, such as sales and underwriting, to gather and analyze necessary information for credit evaluations.
- Prepares loan approval packages for approving authorities.
- Assumes responsibility for the FISCAL software, making sure we are using all of its capability effectively.
- Reviews and understands the Credit Policy and Procedures manual and identifies exceptions.
- Prepares management level reports covering asset quality and concentrations.
- Performs a wide range of support functions, including correspondence related duties such as preparing customer correspondence and reports as necessary.
- Identifies and documents loan risks and mitigants.
- Reviews all HMDA reportable commercial loans for accuracy and compliance with Audit requirements.
Benefits
- Excellent Benefit Package, including company paid health insurance, generous Paid Time Off (PTO),
- 401k with company match & tuition reimbursement
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
High school or GED
