Credit Analyst or Senior Credit Analyst DOE
About The Position
Are you a motivated and high performing individual who has strong people, organizational skills, and a desire to work at a local business dedicated to meeting the financial needs of its customers, validating the investment of its shareholders, and investing its time, money, and expertise to support worthy causes throughout Lake and Mendocino Counties? Savings Bank of Mendocino County has proudly been serving the needs of our communities since 1903 and is seeking a qualified professional for the role of Credit Analyst in the Credit Administration Department. This position involves working with confidential customer information; supporting Loan Officers, the Chief Credit Officer; loan software, data entry, and general clerical tasks. The ideal candidate has two or more years of experience in a support role in a fast-paced, dynamic environment, which served the needs of multiple employees. A successful person in this role is organized; detail oriented; personable; has strong time management skills; and is comfortable interacting with a broad range of individuals, including customers, executive officers and third-party companies. SBMC is excited to add to our team of individuals seeking to fulfill the Banks vision of Investing in the future as your local independent bank, committed to the prosperity of our communities, employees and shareholders .
Requirements
- High School Diploma or General Education Degree (GED)
- Two years of progressively responsible experience in a high demand, multi-tasked professional position
- Associates Degree or equivalent from a two-year college/technical school in a related business field may substitute for experience
- Strong computer skills; experience with Microsoft Office Suite programs including Word, Excel, Outlook
Nice To Haves
- Bachelors degree in Finance, Accounting, or Economics, or related field
- Previous experience in banking, commercial lending, finance, or accounting
- Previous experience in one or more of the following: general accounting principles basic forms of financial documents; i.e. tax returns, schedules, and financial statements tax analysis methods and financial analysis tools interpreting financial documents loan origination software
- Advanced Microsoft Excel skills
- English/Spanish Bilingual
Responsibilities
- Provides a positive customer service experience in harmony with our Customer Service Standards and Principles and Professional Standards.
- Analyzes business tax returns, financial statements, and personal tax returns (including K-1s) using financial spreading software, excel spreadsheets, etc. for cash flow analysis.
- Works with underwriters, loan officers, and borrowers, if needed, to collect necessary financial documentation and information to satisfy loan covenant requirements.
- Conducts Annual Term Loan Reviews for Banks real estate secured loan and C&I portfolio, orders site inspections, completes spreading (property specific and global cash flow), completes due diligence by reviewing financials and market data.
- Under supervision, conducts financial and risk analysis of ACH Origination requests.
- Performs comprehensive financial and risk analysis on small business loan requests by preparing credit memos for review by Credit Underwriting Manager.
- Completes borrowing base/collateral analysis.
- Understands and ensures compliance with all applicable regulations, policies, and procedures.
- Keeps up with changes to banking regulations and completes Bank training.
- Assists with special projects and performs other duties as assigned.
Benefits
- Competitive, market-based pay
- Comprehensive insurance benefits package including medical, dental, vision and more
- 401(k) plan with maximum 6% employer match
- Profit Sharing plan
- Generous paid time off plans
- Employee Health and Wellness program
- Community volunteer opportunities
- Career development and training opportunities
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
High school or GED
