AVP/Credit Analyst

HEBRON SAVINGS BANK•Hebron, MD

22h•$50,000 - $70,000•Onsite

About The Position

The Credit Analyst position supports the Bank’s lending function and facilitates loan portfolio management objectives. This position performs highly technical credit and financial statement analysis utilized in underwriting new commercial loan requests, renewing open-end commercial lines of credit, and ongoing financial reviews for the Bank’s customer relationships.

Requirements

Undergraduate/Associates degree in Accounting/Finance
Banking industry experience preferred
Understanding of personal and business tax returns & financial statements
Demonstrates attention to detail and ability to multi-task in a deadline-driven environment
Ability to work independently and in a team atmosphere
Excellent written and verbal communication skills

Responsibilities

Preparation of loan analyses for new credit requests, including spreading financial statements, completing or updating the various component of an HSB Loan Approval document, including Business and Management Background, Business and Personal Financial Analysis, Obligor Cash Flow, Strengths and Weaknesses of the proposed loan, etc.
Compose the narrative analysis for credit requests where appropriate based on the size and complexity of the transaction or relationship
Effective assessment of: Customer’s background and management capabilities, Customer’s products or services, industry outlook, and competition, Customer’s financing history, Customer’s and guarantor’s financial capacity
Spread new financial information received on existing credit relationships and update the analysis to assist lenders with annual loan risk rating reviews
Prepare financial documentation for review and renewal of commercial lines of credit, including evaluation of payment performance and covenant compliance
Prepare industry-specific research as needed from time to time where relevant and appropriate to a credit decision
Providing financial analysis needed for modifications and extensions
Participating in required compliance training and ensuring compliance with all regulations that apply within the scope of the position. Supervisors have day-to-day oversight responsibility for ensuring compliance with regulatory laws as they relate to functions within their departments
Maintains comprehensive knowledge of bank policies and procedures, including BSA.
Maintain financial statement tracking, covenant compliance tracking, and documentation deficiency reporting systems within LoanVantage
Maintain oversight of ongoing reviews and renewals of commercial lines of credit within LoanVantage
Assist with regulatory examinations, loan reviews, and audits
Maintain good working knowledge of the Bank’s credit policies and regulatory lending guidelines
Maintain an excellent understanding of legal documentation requirements
Provide consultative support to the credit documentation and administration staff to ensure credit facilities are properly documented
Actively participate in community service activities and/or volunteer to promote our mission, generate visibility, and serve our local community.
Other duties as assigned