Credit Analyst

ChoiceOne Bank•Fenton, MI

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About The Position

Credit Analyst Status: Exempt – Grade Level 5 Equal Employment Opportunity Corporate Values & Mission “Provide superior service, quality advice and show our utmost respect to everyone we meet.” General Summary Performs a variety of commercial loan support services, including numerous duties which facilitate and safeguard the lending function. Reports To: Credit Analyst Team Lead Essential Duties and Responsibilities Use critical thinking to conduct thorough risk analysis of applications for commercial credit. Construct financial statement spreads and understand and interpret key ratios. Complete thorough real estate evaluations on various property types. Responsible for calculating risk scorecard and recommending risk ratings. Collect credit information for preparation of commercial loan package. Provide an analyzed, researched, and documented package for review by supervisor, officers, committee, or Board as appropriate. Maintain complete and orderly credit files on loan customers and obtains credit information on borrowers. Maintain various loan/departmental reports. Contact clients as necessary. Assist loan officers as requested. Working knowledge of and compliance with policies and procedures of the Bank. Additional responsibilities as assigned. Be familiar with and comply with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position. Complete all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer. Be familiar with and comply with all federal and state banking regulations as applicable. Requirements Qualifications To perform this job successfully, an Individual in this position must be able to perform each of the above essential duties satisfactorily and exhibit the values of the Company. In addition, the requirements listed below are representative of the knowledge, skill and/or ability required. Experience and/or Education

Requirements

Bachelor's degree in finance, accounting or other related field preferred.
Minimum of one (1) year Credit experience required
Effective written and oral communication skills required, with the ability to interface with Internal and external stakeholders and community partners. Has group presentation skills.
Demonstrates accuracy and thoroughness; monitors own work and the work of others to ensure quality.
Synthesizes complex and diverse information; collects and researches data; uses intuition and experience to complement data.
Displays willingness to make decisions; exhibits sound and accurate judgment; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions.
Develops project plans; coordinates projects; communicates changes and progress; completes projects on time ad budget; manages project team activities.
Undertakes self-development activities; takes independent actions and calculated risks; looks for and takes advantage of opportunities; asks for and offers help when needed.
Ability to work in an office environment which may include many hours of computer and telephone usage.

Nice To Haves

Minimum of one (1) year commercial loan experience preferred (SBA, FSA, participation, and construction knowledge helpful).

Responsibilities

Use critical thinking to conduct thorough risk analysis of applications for commercial credit.
Construct financial statement spreads and understand and interpret key ratios.
Complete thorough real estate evaluations on various property types.
Responsible for calculating risk scorecard and recommending risk ratings.
Collect credit information for preparation of commercial loan package.
Provide an analyzed, researched, and documented package for review by supervisor, officers, committee, or Board as appropriate.
Maintain complete and orderly credit files on loan customers and obtains credit information on borrowers.
Maintain various loan/departmental reports.
Contact clients as necessary.
Assist loan officers as requested.
Working knowledge of and compliance with policies and procedures of the Bank.
Additional responsibilities as assigned.
Be familiar with and comply with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position. Complete all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.
Be familiar with and comply with all federal and state banking regulations as applicable.