Credit Analyst

Queenstown Bank of Maryland.•Queenstown, MD

6d•$25 - $30•Hybrid

About The Position

This position is primarily responsible for reviewing the credit worthiness of commercial borrowers through financial analysis. In addition, this position will be responsible for assisting in the daily functions of the credit department.

Requirements

Associates Degree in Business Management, Finance or Accounting preferred; and/or minimum of two years related experience required.
Ability to analyze financial reports and statements
Proficient computer skills including use of Microsoft Office (Word, Excel, & Outlook)
Excellent verbal and written communication skills.
Exceptional listening and communication skills.
Familiarity with related laws and compliance administration.
Strong organizational, mathematical and problem-solving skills
Detailed oriented
Versatility, flexibility, and a willingness to work within constantly changing priorities with enthusiasm.
Ability to manage priorities and workflow.
Ability to maintain confidentiality.

Responsibilities

Analyzes financial and related data to determine creditworthiness of the prospective customers and the merits of the loan request for commercial borrowers and to monitor trends in performance.
Maintains credit files on-going to ensure that background and historical data, financial statements, tax returns, loan commitments, collateral, correspondence, and other supporting documents are included and current.
Assists with the maintenance of credit files and status reports on large borrowers.
Prepares reports regarding the overall quality of the loan portfolio.
Reviews large borrowing relationships.
Prepares loan packages for review by Officers Loan Committee and Board Loan Committee.
Maintains a positive and productive working relationship with all members of management, loan officers and Bank staff.
Actively engages in necessary communication with both internal and external customers.
Adheres to Bank policies and procedures required by federal and state statutes, laws and regulatory rules.
Adheres to Company’s Safety and Security Policies and Procedures.
Adheres to Company’s behavioral standards and Core Values, which are Trust, Customer Commitment, Teamwork, Excellence and Performance.
Performs other duties as assigned by management.

Benefits

Medical, Dental and Vision insurance offered 1st of the month following 30 days of employment
Paid Time Off (PTO) starts at 3 weeks per calendar year (prorated for new hires based on start date)
12 Paid Holidays (including Birthday)
401K retirement plan with up to a 4% Company match and immediate vesting
Tuition Reimbursement
Employer paid life insurance
Employer paid disability insurance
Voluntary life and disability insurance
Employee Assistance Program
Employee Discounts and Perks