Credit Analyst

Summit Bank•Bend, OR

About The Position

Credit Analyst will work with one or more assigned Loan Officers on a specific portfolio, providing high level support services in the areas of credit analysis, document preparation, loan accounting and portfolio management. Assumes responsibility and is accountable for adherence to Bank policies and procedures, as well as all applicable state and federal laws and banking regulations.

Requirements

Bachelor degree in finance, accounting, business administration or related field; or equivalent combination of education and experience. Work related experience should consist of finance, accounting or business management. Educational experience, through in-house training sessions, formal school or related curriculum, should be applicable to finance, accounting or business.
One (1) to three (3) years’ experience in similar capacity.
Ability to read, analyze and interpret business periodicals, professional journals and technical procedures.
Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions, and to speak clearly to customers, employees, directors and shareholders.
Excellent skills in computer terminal and personal computer operation; word processing, spreadsheet and specialty software programs. Intermediate typing skills to meet production needs of the position.
Good organizational and time management skills, to ensure maximum productivity.
Ability to operate standard office equipment such as copy and fax machines, scanner, etc.
Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
Ability to work with minimal supervision while performing duties and to handle confidential information with discretion.

Responsibilities

Performs analysis of credit reports, business and personal tax returns, financial statements, cash flows, and pricing analysis. Independently researches and analyzes borrower company and industry data.
Discusses pricing and recommends loan structure with loan officer. Presents and offers creative solutions to meet the borrowing needs of our clients.
Independently prepares complete written analyses of borrowers’ financial condition and presentation materials, demonstrating full understanding of analysis results and identifying areas where clarification is required.
Assists in the review of loan documents for accuracy, completeness, and adherence to approval conditions.
Attends client meetings with loan officers. Develops relationship with borrowers establishing themselves as a reliable point of contact when the loan officer is unavailable.
Work closely with and assist Commercial Loan Support Specialist in gathering all required information to move loan from approval to document preparation, this could include ordering appraisals, gathering and reviewing organizational documents, checking UCC filings, finding and downloading articles of incorporation and OFAC searches, completing beneficial ownership tables and any other duties to support an efficient process.
Assists in loan closings, ensuring proper execution of all loan documents.
Proactively notifies customers of upcoming loan maturities, renewals, rate adjustments and other loan events, ensuring receipt of all necessary documentation to complete renewals in a timely manner.
Obtains and maintains State of Oregon Notary designation.
Responds to inquiries or refers inquiries to the appropriate department or person, exhibiting the necessary follow through with customers and/or staff involved.
Provides direct & indirect customer service by giving advice and answers for a variety of basic to complex questions to customers and to co-workers.
Maintains all related paper file systems so that necessary documents can be found easily, and documentation is consistent and complete.
Provides back up support by preparing loan documents for signature.
Assumes responsibility for various department functions in the absence of staff members or in overload situations.
Completes assigned compliance training. Maintains compliance with Bank’s BSA/AML policies and procedures.
Provides excellent personal customer service to all internal and external clients by treating people with respect; keeping commitments; inspiring the trust of others; working ethically and with integrity; upholding organizational values; and accepting responsibility for own actions.
Follows policies and procedures and completes administrative tasks correctly and on time.
Applies good judgment in decision making and sees beyond immediate assignments and acts on opportunities and problem areas.
Performs position safely and reports potentially unsafe conditions.
Works according to established schedules, arriving on time and with a positive attitude.
Any other duties as defined by management.