CREDIT ANALYST

CITIZENS BANK OF KENTUCKY INC • Winchester, KY

2d • $19 - $29

About The Position

Analyzes credit data to estimate degree of risk involved in extending credit to companies or individuals.

Requirements

• Associate's degree (A. A.) or equivalent from two-year college or technical school; or two years related experience and/or training; or equivalent combination of education and experience.
• Ability to read and comprehend instructions, correspondence, memos, financial statements and cash flows.
• Ability to write correspondence.
• Ability to effectively present information to employees of the organization.
• Ability to make convincing presentations in support of the data supplied and reviewed.
• Ability to add, subtract, multiply, and divide.
• Ability to compute rate, ratio, and percent.
• Ability to carry out written or oral instructions.
• Ability to deal with problems in standardized situations.
• Ability to interpret policies and apply knowledge to situations, ability to keyboard, ability to operate an on-line terminal and computer.

Nice To Haves

• Bachelor’s Degree in Accounting, Finance, or Business preferred.

Responsibilities

• Utilizes specialized software to compile financial information for analysis of the financial condition of a customer or business entity.
• Assesses the economic performance of specific companies, industries or financial enterprises.
• Analyzes prevailing trends in financial services, business practices, and competition.
• Works with Loan Officer on requests for extension of credit to individuals or business entities.
• Recommends risk grades for credits.
• Reviews all pertinent financial information and determines any need for additional information.
• Reviews cash flow analysis as performed by Loan Officer and prepares reports for lenders.
• Reviews and monitors credit files.
• Performs financial statement spreads, projections, personal cash flow analysis, consolidated cash flow analysis, and risk grade documentation on existing portfolio as directed.
• Monitors and updates credit files relative to financial data requirements and assists in maintaining financial tracking reports.
• Maintains control over current accounts, watching for any developing problems and keeps lenders informed.
• Assists with training of interns, management trainees, and other employees, regarding use of financial software and the analysis of financial statements.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: Associate degree
• Number of Employees: 51-100 employees