Credit Analyst
About The Position
This position will work with the Credit Officer, major duties include: Collect, input, analyze, and organize credit data and financial information of persons or companies that are applying for loans to determine the risk for the bank. Conduct credit investigations related to lending to establish and explain the financial condition of potential borrowers to relevant lending personnel. Confer with customers to verify their financial/credit transactions and resolve complaints. Prepare spreadsheets, reports, summaries, and opinions for use by loan officers, senior management, or loan committees. Assist in the preparation and presentation of loan packages. Perform post funding due diligence to ensure customer and Bank are in good positions. Responsible for knowledge of government assistance programs in regard to eligibility and servicing. Act as department liaison with external auditors, loan review, and other relevant people. Maintain customer confidence by keeping loan and credit information confidential. Other duties as required.
Requirements
- Bachelor's degree required, graduate degree preferred in finance, business, or related field
- Banking experience preferred
- Notary Public or ability to obtain appointment required
- Experience presenting packages to stakeholders
- Ability to multitask, and address most critical and pressing demands first
- Excellent written and oral communication and interpersonal skills
- Type 40 WPM and proficient in utilizing PC, software, and other office equipment
- Proficient with Microsoft Office suite (Word, Excel, and PowerPoint)
- Teamwork and dedication to developing strong relationships with coworkers
- Able to move up to 50 pounds and able to sit or stand for long periods of time
- Good vision (correctable), hearing, and manual dexterity
- Able to maintain a consistent attendance record in a flexible Monday through Friday schedule
- Bilingual abilities are a plus
Nice To Haves
- graduate degree preferred in finance, business, or related field
- Banking experience preferred
- Bilingual abilities are a plus
Responsibilities
- Collect, input, analyze, and organize credit data and financial information of persons or companies that are applying for loans to determine the risk for the bank.
- Conduct credit investigations related to lending to establish and explain the financial condition of potential borrowers to relevant lending personnel.
- Confer with customers to verify their financial/credit transactions and resolve complaints.
- Prepare spreadsheets, reports, summaries, and opinions for use by loan officers, senior management, or loan committees.
- Assist in the preparation and presentation of loan packages.
- Perform post funding due diligence to ensure customer and Bank are in good positions.
- Responsible for knowledge of government assistance programs in regard to eligibility and servicing.
- Act as department liaison with external auditors, loan review, and other relevant people.
- Maintain customer confidence by keeping loan and credit information confidential.
- Other duties as required.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Number of Employees
11-50 employees
