Credit Analyst

First Citizens National Bank of Upper Sandusky • Upper Sandusky, OH

3h

About The Position

Promote the Bank’s asset quality through unbiased, accurate, thorough and timely risk assessment, which is accomplished by analyzing financial statements and related credit data. Prepares organized and comprehensive reports which assess the credit-worthiness of a loan request with the necessary information to make an informed lending decision. Prepare organized and comprehensive reports for existing loan relationships that assess the continued credit-worthiness of the client. Monitor loan documentation and credit file information. Provide for increased independence in commercial loan closing process & final determination of required loan documentation.

ESSENTIAL FUNCTIONS:
Obtain all available and necessary financial data from the credit file or outside sources to determine credit worthiness for loans, including identification of risks or strengths.
Spread and analyze financial statements & tax returns; study and evaluate the information.
Prepare loan presentations and other essential components of loan monitoring & review
Maintain accurate tracking of borrowers’ financial statements and tax returns. Communicate with loan officers when up-to-date financial information is needed.
Assist in conducting loan reviews & risk rating borrower relationships
Review Select loans and loan relationships.
Rate and grade loans and lines of credit based on criteria established by management.
Provide detailed reports on loan review findings.
Provide Senior Management with various commercial loan reports
Prepare & present reports to Loan Committee as needed.

Requirements

• A 4-year college degree in accounting or business or equivalent work experience
• Knowledge of lending process, underwriting, loan documentation and familiar with tax forms of all kinds
• Well-developed analytical, mathematical, and problem-solving skills
• Excellent oral and written communication skills
• Able to work efficiently in an independent manner
• Must be able to multi-task, prioritize and work well under time constraints. Must have excellent attention to detail.
• Maintains compliance to all government regulations, including Bank Secrecy Act, Regulation E (Electronic Funds), Regulation CC (Funds Availability,) CRA and Regulation DD and Loan Policy or other policies pertaining to your position.

Responsibilities

• Obtain all available and necessary financial data from the credit file or outside sources to determine credit worthiness for loans, including identification of risks or strengths.
• Spread and analyze financial statements & tax returns; study and evaluate the information.
• Prepare loan presentations and other essential components of loan monitoring & review
• Maintain accurate tracking of borrowers’ financial statements and tax returns. Communicate with loan officers when up-to-date financial information is needed.
• Assist in conducting loan reviews & risk rating borrower relationships
• Review Select loans and loan relationships.
• Rate and grade loans and lines of credit based on criteria established by management.
• Provide detailed reports on loan review findings.
• Provide Senior Management with various commercial loan reports
• Prepare & present reports to Loan Committee as needed.

Benefits

• educational reimbursement with First Citizens paying 100% of tuition for full time employees
• student loan debt repayment
• paid time off
• 401(k)
• health, dental, vision insurance

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level