Credit Analyst

Penn Community Bank • Perkasie, PA

2d • Hybrid

About The Position

The Credit Analyst role involves performing credit analysis and loan presentations in collaboration with various credit professionals. This position requires completing financial statement spreads, preparing analyses for loan requests, reviews, and renewals, and conducting industry and market analysis. The role also provides support and analysis to the Special Assets Group as needed. Compliance with all applicable regulations and Bank policies is essential, including participating in annual compliance training and adhering to internal privacy and ethics standards.

Requirements

• BA or BS in Accounting, Finance, Economics, or related field preferred.
• Completion of a formal Credit Training program, or the ability to complete one within 12 months of hire, or equivalent experience.
• Excellent communication and interpersonal skills with the ability to interact with all levels of personnel.
• Demonstrate professionalism in appearance, punctuality, attitude, and grammar.
• Maintain a clean, organized work area.
• Demonstrated analytical and quantitative skills, with prior knowledge of financial statements and accounting principles.
• An ability to balance priorities and exhibit organizational skills to manage both individual and multiple team priorities.
• Must be proficient with MS Office software and be able to quickly master the bank's technology and systems.
• Ability to interact effectively with other bank personnel across functional lines.
• Ability to articulate bank strategies and customer service philosophy.
• Strong written, verbal and presentation skills.
• Excellent decision-making skills.
• Ability to multi-task in highly demanding environment.
• Efficient, high quality producer, with attention to detail.
• Good judgment and analytical skills with the ability to remain focused & work independently.
• Must be able to process constructive feedback & remain even tempered.
• Ability to drive, with a valid driver’s license, to travel between offices and/or attend sales calls and customer visits.

Responsibilities

• Ensure consistent and accurate credit analysis and loan presentations.
• Complete Financial Statement spreads.
• Prepare analysis of less complex loan requests, reviews and renewals.
• Conduct industry and market analysis.
• Provide support and analysis to the Special Assets Group as needed.
• Comply with all applicable regulations and Bank policies regarding employment and employment law.
• Participate in annual compliance and other job-related training.
• Comply with applicable bank regulations, Bank policies and procedures.
• Comply with Bank’s internal privacy and ethics standards.

What This Job Offers

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