CA 6 SBA PMG Credit Analyst
About The Position
The Credit Analyst is responsible for approving extensions of credit and/or recommending approval or denial to the person(s) making final lending decisions on new, renewal, and extension loans. Before making or advising on a credit decision, the analyst conducts a complete credit analysis by gathering, analyzing, and interpreting credit information about existing and prospective customers. The role reviews customer accounts and portfolios to identify and evaluate potential credit quality issues, determine appropriate actions, maximize credit quality, and minimize risk and potential loss to the company. The analyst may use technological tools, including computer software, to analyze individual credits or portfolios, compare possible courses of action, and make recommendations or decisions after considering alternatives.
Requirements
- Bachelor’s degree or equivalent work experience.
- Typically six or more years of relevant experience.
- Strong credit analysis and analytical skills.
- In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis.
- Effective technical report writing skills.
- Effective verbal and written communication skills.
- Proficient computer navigation skills using a variety of software packages.
Nice To Haves
- Background in economics, accounting, and/or finance.
- Master’s degree or CPA certification.
Responsibilities
- Approve extensions of credit and/or recommend approval or denial of new, renewal, and extension loans to final lending decision-makers.
- Gather, analyze, and interpret credit information on existing and prospective customers.
- Review customer accounts and portfolios to identify and evaluate potential credit quality issues.
- Determine appropriate courses of action to maximize credit quality and minimize risk and potential loss.
- Use technological tools and computer software to evaluate credits or portfolios and compare possible courses of action.
- Make credit recommendations and/or decisions after considering alternatives.
Benefits
- Healthcare coverage, including medical, dental, and vision.
- Basic term and optional term life insurance.
- Short-term and long-term disability coverage.
- Pregnancy disability and parental leave.
- 401(k) and employer-funded retirement plan.
- Paid vacation from two to five weeks, depending on salary grade and tenure.
- Up to 11 paid holiday opportunities.
- Adoption assistance.
- Sick and Safe Leave accruals of one hour for every 30 hours worked, up to 80 hours per calendar year unless otherwise provided by law.
- Incentive and recognition programs.
- Equity stock purchase.
- 401(k) contribution and pension, subject to eligibility requirements.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
