Credit Analyst

Citizens Bank - Oregon•Oregon City, OR

8d•$26 - $34•Onsite

About The Position

Credit Analysts assist Commercial Loan Officers with underwriting credits, portfolio management, maintenance, and customer service for an assigned portfolio of commercial accounts. The role prepares thorough analyses of credit requests, including financial spreads and projections, in accordance with Bank policies and procedures. It supports new loan requests, renewals, and annual reviews; responds promptly and accurately to customer inquiries related to lending; helps ensure compliance with policies, procedures, and regulations; and supports accurate, timely delivery of loan-closing documents. The position is full-time and non-exempt, 40 hours per week, Monday through Friday, at the Citizens Bank Oregon City Branch. It reports to the Branch Manager. The work takes place primarily in a climate-controlled office, with occasional exposure to outdoor weather and frequent customer and employee interactions and interruptions. Travel varies and is listed as 10%, potentially including other branches, customer and business locations, meeting sites, overnight travel, and extended stays when needed.

Requirements

High school diploma or equivalent.
Ability to provide high-quality service to internal and external customers and respond accurately, effectively, and promptly to their needs, questions, and concerns.
Excellent listening, verbal, written, telephone, and business communication skills, including the ability to communicate issues and follow-up needs by phone, in person, and email; effective presentation skills; and ability to read, write, speak, and understand English well.
Working knowledge of accounting and finance theory and practices, including Generally Accepted Accounting Principles, taxation, legal forms of organizations, and business law.
Ability to interpret financial statements and spreads, including cash flow, balance sheets, and profitability, and present facts and opinions concerning creditworthiness.
Knowledge of financial modeling techniques and ability to identify recurring and non-recurring cash flow sources and assess guarantors’ ability to service debt.
Knowledge and experience interpreting credit reports and industry financial information averages.
Working knowledge and experience of lending practices, collateral perfection, loan documentation, disclosures, terminology, and legal documents.
Ability to understand and apply principles, procedures, compliance requirements, federal and state regulations, and policies related to the assigned area and the Bank’s policies, procedures, products, and services.
Strong organization, time management, data review, and processing skills, including the ability to identify and resolve exceptions and interpret data promptly.
Demonstrated analytical and problem-solving skills, attention to detail, and focus on accuracy.
Ability to focus quickly on key issues and make decisions under time constraints or competing deadlines with minimal direction and oversight.
Integrity in handling sensitive and confidential information.
Proficiency with and understanding of Microsoft Office products, including Word, Excel, and Outlook; ability to learn new technologies quickly and develop working knowledge of financial-services loan systems and credit software applications.
Willingness to travel to other branches, customer and business locations, and meeting sites, potentially including overnight travel and extended stays.
Valid driver’s license, clean driving record, proof of insurance, and access to reliable transportation for job-related essential functions.
Regular attendance, punctuality, and adherence to the agreed schedule; willingness to work flexible hours as needed.
Offers are contingent on successfully passing a credit check and criminal background check.

Nice To Haves

Bachelor’s degree in Business Administration, Finance, Economics, Marketing, or a relevant discipline.
An equivalent combination of education, formal credit training, and relevant experience may be considered.

Responsibilities

Provide exceptional customer service across banking relationships, focusing on credit matters in coordination with assigned Commercial Loan Officers.
Independently collect financial statements, tax returns, and other relevant information from prospective and existing clients.
Complete financial statement spreading and cash flow and global cash flow analyses independently.
Identify loan purpose, repayment sources, collateral value and priority, and document a full written analysis of credit elements in credit approvals.
Participate in credit administration presentations and meetings to discuss structuring, pricing, and edits intended to highlight or partially mitigate credit risks.
Track loan agreement compliance, covenant monitoring, borrowing-base certificates, and financial reporting through the lending tickler system, and ensure timely follow-up.
Collect and review information required for draws involving construction, asset-based, or agricultural loans in conjunction with Commercial Loan Officers.
Analyze financial and other information and prepare file memoranda or Term Loan Reviews to document trends, report or seek approval for action on loan agreement violations where necessary, and validate risk ratings.
Independently collect information from customers to complete loan renewals before maturity dates.
Monitor loan delinquency reports and coordinate with borrowers to resolve delinquencies.
Review overdraft reports and coordinate NSF decisioning with Commercial Loan Officers.
Maintain current knowledge of commercial law, the UCC, banking regulations, and policies to ensure compliance with applicable laws and loan terms.
Accompany a Commercial Banking Officer on business calls or site visits as requested.
Perform notary services for the bank when needed.
Perform additional duties or activities assigned by management.