First Liberty Bank Credit Analyst
About The Position
ONLY COMPLETED APPLICATIONS WILL BE CONSIDERED FOR AN INTERVIEW Job Description: This position is responsible for analyzing complex companies and industries and presenting findings to Bank and/or Board Loan Committee. Functions include: conducting complex credit investigations and analyzing diverse credit information for loans; analyzing/formalizing documentation of loan transactions and/or credit history of customers; assisting in preparation of credit memorandums for presentation to lending officers and/or approval committees; performing research/analysis related to projects such as industry or market studies. This position reports to the SVP Senior Credit Officer.
Requirements
- Must be a team player and have the willingness to help associates
- Customer service skills
- Strong organization, planning, prioritization and detail orientation skills
- Professional and polished demeanor
- Demonstrate initiative and problem solving skills
- Excellent verbal and written communication skills
- Excellent time management skills with a demonstrated ability to multi-task, follow through on commitments, meet deadlines and drive results
- Proven ability to effectively interact with and forge relationship with employees and customers at all levels of the organization
- Resourceful, proactive, assertive, energetic; takes initiative and efficient
- Intermediate Microsoft Office Skills; Outlook, Word and Excel and other analytical programs
- Ability to work well under pressure and within tight time constraints, including the ability to work overtime if required
- Have a curious mind and be inquisitive
Nice To Haves
- Three years loan experience, preferably as a credit analyst reviewing commercial credits
- A degree in finance, accounting, or business
- Experience within the banking, financial services or other industries that require analysis of financial information
Responsibilities
- Review and analyze personal and business financial statements and tax returns to determine financial condition of borrower
- Generate financial ratios, using computer programs, to evaluate customers’ financial status
- Scrutinize financial data such as income growth, management quality, and market share
- Compile reports regarding finance and credit data
- Compare liquidity, profitability, and credit histories of individual or company being evaluated with similar establishments to determine risk
- Monitor Loan Covenants to ensure compliance
- Monitor and analyze on-going financial information to access any deterioration in credit
- Other responsibilities and duties as assigned
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
No Education Listed
